PATRIOT TRANSPORTATION HOLDING INC. PROFIT SHARING AND DEFERRED EARNINGS PLAN Investment Model Portfolios

Investment options of PATRIOT TRANSPORTATION HOLDING INC. PROFIT SHARING AND DEFERRED EARNINGS PLAN

Total Available Funds: 21

Asset Class

Ticker

Description

Others
ROOT	CASH	Ridgeworth Prime Quality Money Market Fund
unknown	unknown	SunTrust Retirement Stable Asset Fund
Target Date 2000-2010	RRTAX	T. Rowe Price Retirement 2010 Fund R
Target Date 2016-2020	RRTBX	T. Rowe Price Retirement 2020 Fund R
Target Date 2026-2030	RRTCX	T. Rowe Price Retirement 2030 Fund R
Target Date 2036-2040	RRTDX	T. Rowe Price Retirement 2040 Fund R
ROOT	CASH	Ridgeworth Prime Quality Money Market 1SU PMM
Moderate Allocation	CLVBX	Ridgeworth Moderate Allocation Strat I

US EQUITY
LARGE BLEND	VIFSX	Vanguard 500 Index Signal
LARGE GROWTH	STTAX	Ridgeworth Select Large Cap Grth Stock
LARGE GROWTH	RRGSX	T. Rowe Price Growth Stock Fund R
Small Growth	PRNHX	T. Rowe Price New Horizon Mutual Fund
LARGE GROWTH	CHASX	Chase Growth fund Mutual Fund
LARGE VALUE	PAFDX	T. Rowe Price Equity Income Fund A Mutual Fund
LARGE BLEND	FEDEX	Federated Capital Appreciation Fund A Mutual Fund
MID-CAP BLEND	FMDCX	Federated Mid Cap Index IS Mutual Fund
SMALL VALUE	JSIVX	Perkins Small CapValues S

FIXED INCOME
Intermediate Government	PRTIX	T. Rowe Price US Treasury Intermediate Mutual Fund
Inflation-Protected Bond	AIAVX	American Century Inflat-Adj Bond Adv Mutual Fund
Intermediate-Term Bond	STIGX	Ridgeworth Investment Grade Bond I Mutual Fund

INTERNATIONAL EQUITY
Foreign Large Value	MGIAX	MFS International Value Fund A

Investment model portfolios

We provide two types of investment model portfolios for PATRIOT TRANSPORTATION HOLDING INC. PROFIT SHARING AND DEFERRED EARNINGS PLAN participants. You can customize and follow a model portfolio in your plan account.

Types of portfolio strategies

Strategic asset allocation portfolio: It invests in a diversified portfolio of multiple assets, buy-and-hold without frequently changing the asset allocation weights.
- Suitable: For long-term (more than 15 years, preferably more than 20 years), want to be tax efficient and can withstand interim drawdown or loss as high as 50% or more.
- Pros:
  - Less error-prone
  - Infrequent rebalancing or transactions
  - Tax efficient for taxable brokerage investments
- Cons:
  - Interim loss or drawdown can be substantial
  - Possible low returns for an extended period, such as 10 years or longer
Tactical asset allocation portfolio: it invests in a diversified portfolio of multiple assets, dynamically adjust stock and bond allocations to minimize losses during market stress.
- Suitable: For long-term (more than 10 years or preferably longer) capital. Investors are willing to rebalance as frequent as monthly.
- Pros:
  - Reduce large interim loss or drawdown
  - Less sensitive to investment entry point
  - Likely to improve returns
- Cons
  - Demand more frequent rebalancing or transactions
  - Less tax efficient — more suitable in a tax-deferred account such as 401(k) or IRA
  - Can experience a period of lower returns compared to a broad-based strategic allocation or a buy-and-hold benchmark, especially in some bull markets

These portfolios are proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation.

Let us know (Email us) if you need help to create a custom model portfolio for your plan.

Customize a model portfolio now

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