SOIL MOIST transplant is formulated to inoculate transplanted trees, shrubs and plants during planting time. The formulation contains a diverse blend of five species of healthy viable ectomycorrhizal propagules and seven species of endomycorrhizal propagules that are adapted to a wide range of plants. SOIL MOIST water storing polymers are included in the blend. Packaged in premeasured bags and resealable pails.