HOLLAND and KNIGHT PROFIT SHARING PLAN and TRUST Investment Model Portfolios

Investment options of HOLLAND and KNIGHT PROFIT SHARING PLAN and TRUST

Total Available Funds: 15

Asset Class

Ticker

Description

US EQUITY
LARGE BLEND	VINIX	Vanguard Institutional Index Fund: Vanguard Institutional Index Fund; Institutional Shares
LARGE GROWTH	FCNKX	Fidelity Contrafund; Class K Shares
Mid-Cap Growth	RPFFX	Royce Fund: Royce Premier Fund; Service Class Shares
LARGE GROWTH	FINSX	Fidelity Contrafund: Fidelity Advisor New Insight Fund; Institutional Class Shares
MID-CAP BLEND	FLPSX	Fidelity Puritan Trust: Fidelity Low-Priced Stock Fund
SMALL BLEND	VSISX	Vanguard Index Funds: Vanguard Small-Cap Index Fund; Signal Shares

FIXED INCOME
High Yield Bond	GSHAX	Goldman Sachs Trust: Goldman Sachs High Yield Fund; Class A Shares
Multisector Bond	NEFZX	Loomis Sayles Funds II: Natixis Loomis Sayles Strategic Income Fund; Class A Shares
Intermediate-Term Bond	MPBFX	BNY Mellon Funds Trust: BNY Mellon Bond Fund; Class M Shares
WORLD BOND	OIBAX	Oppenheimer International Bond Fund; Class A Shares

Others
World Allocation	SGENX	First Eagle Funds: First Eagle Global Fund; Class A Shares
Moderate Allocation	OAKBX	Harris Associates Investment Trust: Oakmark Equity & Income Fund; Class I Shares

INTERNATIONAL EQUITY
Foreign Large Blend	FDIKX	Fidelity Investment Trust: Fidelity Diversified International Fund; Class K Shares
Foreign Large Blend	DODFX	Dodge & Cox Funds: Dodge & Cox International Stock Fund

COMMODITIES
COMMODITIES BROAD BASKET	PCRAX	PIMCO Funds: PIMCO CommodityRealReturn Strategy Fund; Class A Shares

Investment model portfolios

We provide two types of investment model portfolios for HOLLAND and KNIGHT PROFIT SHARING PLAN and TRUST 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

Retirement Plan (401(k)) Info for HOLLAND and KNIGHT PROFIT SHARING PLAN and TRUST

HOLLAND AND KNIGHT PROFIT SHARING PLAN & TRUST

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