Education & FAQs

Account Services
How do I change my address? Show
Online

If you have established Online Access for your account, you may update your address via our website 24 hours a day. To register for Online Access or log in to your account, click here


By Mail

Using the Account Services form, please complete the Account Registration, Address Change or Correction, and Signature & Certification steps.

Mail the form to the appropriate address below:

First class mail to:
Harbor Funds
P.O. Box 804660
Chicago, IL 60680-4108

Express or registered mail to:
Harbor Funds
111 South Wacker Drive
34th Floor
Chicago, IL 60606-4302

Please be aware that Harbor Funds is not responsible for any mail that is lost or misdirected by the U.S. Post Office or any other delivery service.


By Phone

You may also submit your address change by speaking to a Shareholder Services Representative. Our Shareholder Services Representatives can be reached at 800-422-1050, Monday through Friday, from 8:00 a.m. to 6:00 p.m. Eastern time.

Note: Once you update your address, there will be a 10 business day hold on the use of your new mailing address for sending redemption checks, unless accompanied by a Medallion Signature Guarantee.

How do I change my name on my account? Show
Using the Account Services form, please complete the Account Registration, Name Change Notification, and Signature & Certification steps, making sure to provide a signature for both your former name and current name.  The form must contain a Signature Validation Program (SVP) Stamp*. If you are unable or unwilling to obtain this stamp, you must include a copy of the marriage certificate or court documentation granting your legal name change.

Mail the form to the appropriate address below. 

First class mail to: 
Harbor Funds 
P.O. Box 804660
Chicago, IL 60680-4108

Express or registered mail to:
Harbor Funds
111 South Wacker Drive
34th Floor
Chicago, IL 60606-4302

Please be aware that Harbor Funds is not responsible for any mail that is lost or misdirected by the U.S. Post Office or any other delivery service.

*Signature Validation Program stamps are used for non-securities events (non-financial transactions). An SVP stamp on a document ensures the following: that the signature on the document is genuine and that the signer has authority to sign the document. Harbor will accept an SVP stamp from an eligible guarantor such as a bank, broker, dealer, credit union, national securities exchange, registered securities association, clearing agency or savings association. If a financial institution does not participate in the SVP Stamp program, a Medallion Signature Guarantee stamp should be requested.

How do I set up or make changes to the Automatic Options on my account? Show
Online

If you have established Online Access for your account, you may add or make changes to an Automatic Investment Plan, Automatic Exchange Plan, and/or Automatic Redemption Plan* via our website 24 hours a day. To register for Online Access or log in to your account, click here.

*Note: Automatic Redemption Plans may not be added or updated online for an IRA account. Please submit the request by mail as outlined below.


By Mail

Please complete the Automatic Transactions form. This form allows you to set up or make changes to an Automatic Investment Plan, Automatic Exchange Plan, and/or Automatic Redemption Plan. Please provide the appropriate banking instructions and be sure to include a voided check or a savings account deposit slip, as well as the required signature(s).

Mail the form to the appropriate address below.

First class mail to:
Harbor Funds
P.O. Box 804660
Chicago, IL 60680-4108

Express or registered mail to:
Harbor Funds
111 South Wacker Drive
34th Floor
Chicago, IL 60606-4302

Please be aware that Harbor Funds is not responsible for any mail that is lost or misdirected by the U.S. Post Office or any other delivery service.

How do I update the banking information on my account? Show
Online

If you have established Online Access for your account, you may update your banking information via our website 24 hours a day. To register for online access or log in to your account, click here.

By Mail

Using the Account Services form, please complete the Account Registration, Banking Information, and Signature & Certification steps. Please be sure to include a voided check or a savings account deposit slip if you are adding ACH instructions for Electronic Transfers.

Mail the form to the appropriate address below.

First class mail to:
Harbor Funds
P.O. Box 804660
Chicago, IL 60680-4108

Express or registered mail to:
Harbor Funds
111 South Wacker Drive
34th Floor
Chicago, IL 60606-4302

Please be aware that Harbor Funds is not responsible for any mail that is lost or misdirected by the U.S. Post Office or any other delivery service.

Note: There will be a 10 business day hold on the use of this information for redemptions once it has been added or replaced, unless accompanied by a Medallion Signature Guarantee.

 

How do I add or change beneficiaries on my account? (IRA & Non-IRA) Show
For non-retirement accounts registered to individuals and joint tenants with rights of survivorship only, please complete the Transfer on Death form in its entirety, making sure to provide the required signature(s).

For a Traditional, Roth, or SEP IRA, please complete the IRA Beneficiary Designation form in its entirety, making sure to provide the required signature.

Mail the form to the appropriate address below.

First class mail to:
Harbor Funds
P.O. Box 804660
Chicago, IL 60680-4108

Express or registered mail to:
Harbor Funds
111 South Wacker Drive
34th Floor
Chicago, IL 60606-4302

Please be aware that Harbor Funds is not responsible for any mail that is lost or misdirected by the U.S. Post Office or any other delivery service.

How do I change my dividend or capital gains options? Show
Online

If you have established Online Access for your account, you may update your dividend or capital gains options via our website 24 hours a day. To register for Online Access or log in to your account, click here


By Mail

Using the Account Services form, please complete the Account Registration, Distribution Options, and Signature & Certification steps. If you would like your distributions sent directly to your bank account, please provide the appropriate banking instructions and be sure to include a voided check or a savings account deposit slip for Electronic Transfer.

Mail the form to the appropriate address below.

First class mail to:
Harbor Funds
P.O. Box 804660
Chicago, IL 60680-4108

Express or registered mail to:
Harbor Funds
111 South Wacker Drive
34th Floor
Chicago, IL 60606-4302

Please be aware that Harbor Funds is not responsible for any mail that is lost or misdirected by the U.S. Post Office or any other delivery service.


By Phone

You may also submit your distribution options change by speaking to a Shareholder Services Representative. Our Shareholder Services Representatives can be reached at 800-422-1050, Monday through Friday, from 8:00 a.m. to 6:00 p.m. Eastern time.

How do I add the Money Market check writing option? Show
To add the Money Market check writing privilege, please complete the Money Market Checkwriting form. There is no charge for Money Market check orders, but please note you must have an existing Money Market fund in order to add the check writing privilege. If you do not have an existing Money Market fund, this must first be established with a minimum initial investment of $1,000.00.

Mail the form to the appropriate address below.

First class mail to:
Harbor Funds
P.O. Box 804660
Chicago, IL 60680-4108

Express or registered mail to:
Harbor Funds
111 South Wacker Drive
34th Floor
Chicago, IL 60606-4302

Please be aware that Harbor Funds is not responsible for any mail that is lost or misdirected by the U.S. Post Office or any other delivery service.

How do I add a Power of Attorney to my account? Show
Power of Attorney may only be added to IRA accounts, Individual and Joint Accounts. To add Power of Attorney, please complete the Power of Attorney Authorization form.

If the account holder is incapacitated and cannot sign for themselves, a Power of Attorney Verification for Incapacitated Person form must be completed. This form allows for the sole signature of the Attorney-in-Fact, provided a copy of the Power of Attorney Agreement is included and notarized within 60 days of the request. Non-Harbor Funds Power of Attorney documents may be accepted upon review by our legal department.

Please read each form carefully and completely, taking note that all signatures must be notarized.

Mail the form to the appropriate address below.

First class mail to:
Harbor Funds
P.O. Box 804660
Chicago, IL 60680-4108

Express or registered mail to:
Harbor Funds
111 South Wacker Drive
34th Floor
Chicago, IL 60606-4302

Please be aware that Harbor Funds is not responsible for any mail that is lost or misdirected by the U.S. Post Office or any other delivery service.

How do I change the registration on my account? Show
There are many situations that might require you to make changes to an account's registration. Please review the Re-Registration FAQs to learn more about changing the registration on an account.

Updating ownership of accounts can be complex. If you have any questions at all, please contact a Shareholder Services Representative at 800-422-1050, Monday through Friday, from 8:00 a.m. to 6:00 p.m., Eastern time for specific instructions on re-registering accounts.

Mail the completed documents and forms to the appropriate address below.

First class mail to:
Harbor Funds
P.O. Box 804660
Chicago, IL 60680-4108

Express or registered mail to:
Harbor Funds
111 South Wacker Drive
34th Floor
Chicago, IL 60606-4302

Please be aware that Harbor Funds is not responsible for any mail that is lost or misdirected by the U.S. Post Office or any other delivery service.

Will you accept a Medallion Signature Guaranteed request by fax? Show
Unfortunately, we are unable to accept a Medallion Signature Guarantee Stamp by fax. All requests that require a Medallion Signature Guarantee Stamp must be sent by mail to Harbor Funds.

Mail the completed documents and forms to the appropriate address below.

First class mail to:
Harbor Funds
P.O. Box 804660
Chicago, IL 60680-4108

Express or registered mail to:
Harbor Funds
111 South Wacker Drive
34th Floor
Chicago, IL 60606-4302

Please be aware that Harbor Funds is not responsible for any mail that is lost or misdirected by the U.S. Post Office or any other delivery service.


How do I purchase additional shares? Show
Online

If you have established Online Access for your account, you may submit an order to purchase shares via our website 24 hours a day using existing banking instructions on your account. If you haven't yet added banking instructions to your account, you may do that online as well.

To register for Online Access or log in to your account click here. Please note that any trades submitted after 4:00 p.m. Eastern time will receive the next business day's closing price.


By Mail

To purchase shares by mail, fill out the investment slip included with your most recent transaction confirmation. Alternatively, you can download and print an Additional Investments form from our website.

When completing an investment slip or Additional Investments form, be sure to include your account number, the name of the fund, the share class and the dollar amount to be purchased.

Make your check payable to "Harbor Funds" and mail it with your investment slip or Additional Investments form to the appropriate address below.

First class mail to:
Harbor Funds
P.O. Box 804660
Chicago, IL 60680-4108

Express or registered mail to:
Harbor Funds
111 South Wacker Drive
34th Floor
Chicago, IL 60606-4302

Please be aware that Harbor Funds is not responsible for any mail that is lost or misdirected by the U.S. Post Office or any other delivery service.


By Phone

If you have established access through our Interactive Voice Response (IVR) system and have banking instructions on file, you may submit purchase orders 24 hours a day by calling 800-422-1050 and saying "Purchase".  The first time you use the IVR, you will have to establish telephone access to your account and will need your account number, fund number and Social Security number to confirm your identity.

You may also submit your purchase order by speaking to a Shareholder Services Representative. Our Shareholder Services Representatives can be reached at 800-422-1050, Monday through Friday, from 8:00 a.m. to 6:00 p.m. Eastern time.


By Wire

You can also purchase shares by wire. Instruct your bank to wire the amount of the additional investment to State Street Bank and Trust Company using the banking instructions below. Be sure to include your account number, the name of the fund, the share class and your account registration.

Wire to:
State Street Bank and Trust Company
Boston, MA
ABA#: 0110 0002 8
Acct: DDA #3018-065-7

Can I purchase Harbor Funds if I am not a U.S. resident? Show
Harbor Funds are available for sale in all 50 United States, the District of Columbia, Puerto Rico, U.S. Virgin Islands and Guam. Certain Harbor funds are also available for sale to certain government approved pension plans in Chile and Peru.

Shares of the Harbor Target Retirement Funds are currently available for sale only through retirement plans sponsored by Harbor Capital Advisors, Inc. and Owens-Illinois, Inc. Shares of the Target Retirement Funds may in the future be made available for broader distribution. The Funds reserve the right to reject any offer to purchase shares.

What are the required minimum investments? Show

Asset Class Minimum Investments
Institutional Class Open to all shareholders
  • $50,000 minimum investment (except for Strategic Markets and Fixed Income funds)
  • $1,000 minimum investment for Strategic Markets and Fixed Income funds
Administrative Class Limited to eligible retirement plans and financial intermediaries only
  • $50,000 minimum investment for each fund
  • No minimum investment for qualified retirement plans and Section 457 plans
Investor Class Open to all shareholders
  • $2,500 minimum investment for regular accounts and $1,000 minimum for IRA and UTMA/UGMA accounts

Not all classes are available for all Harbor Funds.
How do I exchange shares? Show
Online

If you have established Online Access for your account, you may submit an order to exchange shares via our website 24 hours a day. To register for Online Access or log in to your account, click here. Please note that any trades submitted after 4:00 p.m. Eastern time will receive the next business day's closing price.


By Mail

You may mail a written exchange request to our Shareholder Services Representatives. State the account number, name of the fund, the share class, and number of shares or dollar amount to be exchanged. Sign the request exactly as the name or names appear on the account registration and mail it to the appropriate address below.

First class mail to:
Harbor Funds
P.O. Box 804660
Chicago, IL 60680-4108

Express or registered mail to:
Harbor Funds
111 South Wacker Drive
34th Floor
Chicago, IL 60606-4302

Please be aware that Harbor Funds is not responsible for any mail that is lost or misdirected by the U.S. Post Office or any other delivery services.


By Phone

If you have established access through our Interactive Voice Response (IVR) system, you may submit exchange orders 24 hours a day by calling 800-422-1050 and saying "Exchange". The first time you use the IVR, you will have to establish telephone access to your account and will need your account number, fund number and Social Security number to confirm your identity.

You may also submit your exchange order by speaking to a Shareholder Services Representative. Our Shareholder Services Representatives can be reached at 800-422-1050, Monday through Friday, from 8:00 a.m. to 6:00 p.m. Eastern time.


How do I sell shares? Show
Redemptions can be paid by check, wire, or ACH transfer. If the proceeds are to be sent anywhere other than the address or bank account of record, a Medallion Signature Guarantee Stamp must be included for all required signatures. There are a variety of ways you can request to redeem shares:

Online

If you have established Online Access for your account, you may submit an order to redeem shares via our website 24 hours a day. To register for Online Access or log in to your account, click here. Please note that any trades submitted after 4:00 p.m. Eastern time will receive the next business day's closing price.

*Note: Redemptions from an IRA account may not be submitted online. Please use one of the other methods provided below.


By Mail

You may mail a written redemption request. Simply state the account number, name of the fund, the share class, and number of shares or dollar amount to be sold. Sign the request exactly as the name or names appear on the account registration and mail it to the appropriate address below.

First class mail to:
Harbor Funds
P.O. Box 804660
Chicago, IL 60680-4108

Express or registered mail to:
Harbor Funds
111 South Wacker Drive
34th Floor
Chicago, IL 60606-4302

Please be aware that Harbor Funds is not responsible for any mail that is lost or misdirected by the U.S. Post Office or any other delivery service.


By Phone

If you have established access through our Interactive Voice Response (IVR) system, you may submit redemption orders 24 hours a day by calling 800-422-1050 and saying "Redeem". The first time you use the IVR, you will have to establish telephone access to your account and will need your account number, fund number and Social Security number to confirm your identity.

You may also submit your redemption order by speaking to a Shareholder Services Representative. Our Shareholder Services Representatives can be reached at 800-422-1050, Monday through Friday, from 8:00 a.m. to 6:00 p.m. Eastern time.


How do I donate Harbor Funds assets to a charitable organization? Show
From a Taxable Account:

To make a charitable donation from a taxable Harbor Funds account, Harbor requires a clear and complete Letter of Instruction accompanied by a Medallion Signature Guarantee Stamp


From an IRA:

As of March 10, 2014, the American Taxpayer Relief Act of 2012 (ATRA) has not been renewed by Congress – Qualified Charitable Distributions from an IRA account cannot be made for tax year 2014 at this time. In the event that Congress renews ATRA retroactively for the 2014 tax year, as they have done in late 2012 and late 2013, to process a qualified charitable distribution from an IRA Harbor will require an IRA Required Minimum Distribution Form accompanied by a Medallion Signature Guarantee Stamp. Please note that Federal and State withholding will not be applied to Qualified Charitable Distributions.


Charitable Distributions can be:
  • Sent by check payable to the charitable organization. Provide the name and address of the charitable organization in your instructions. Unless you request anonymity, Harbor will send the check to the charitable organization with a letter identifying you as the donor and including the date of liquidation, fund designation, and dollar and share value of the liquidation. Please note that anonymous donations are not tax-deductible. Please consult with a tax advisor if you have questions on this process.
  • Transferred to an account held in the name of the charitable organization at Harbor. If an account does not already exist, Harbor requires a completed New Account Application for the organization and a certified copy of the Corporate Resolution or Articles of Organization in addition to the Medallion Signature Guaranteed request signed by the donor.
  • Transferred to an account held at another financial institution. You must confirm that the account is active at the receiving financial institution. The Medallion Signature Guaranteed request must contain the name of the financial institution where the account is held, the house account number for the financial institution, the name of the organization, and the charitable organization's account number.

Mail the completed documents and forms to the appropriate address below:

First class mail to:
Harbor Funds
P.O. Box 804660
Chicago, IL 60680-4108

Express or registered mail to:
Harbor Funds
111 South Wacker Drive
34th Floor
Chicago, IL 60606-4302

Please be aware that Harbor Funds is not responsible for any mail that is lost or misdirected by the U.S. Post Office or any other delivery service.

Will I be subject to a redemption fee? Show
The Harbor High-Yield Bond Fund, the Emerging Markets Debt Fund, and the Convertible Securities Fund charge a 1% redemption fee on shares that are redeemed before they have been held for 90 days.

Please refer to the Prospectus for a more detailed explanation of this redemption fee and the circumstances that may make your account exempt.

How long does it take to process a redemption request? Show
All redemption requests are typically processed on the day that they are received in good order. Requests received after 4:00 p.m. Eastern time will receive the next business day's closing price.
When will I receive the proceeds from my sale? Show
The time it takes to receive your proceeds will depend on the payment method you selected, but all proceeds are typically sent the day following the redemption. For payment by check, please allow 3-5 business days for delivery by the U.S. Postal Service. For ACH transfers, proceeds are typically deposited into your bank account within 3 business days. Wire redemptions are typically received within 1 business day of the redemption; however your bank may charge a fee for the wire.
Is there a fee for wiring money? Show
Harbor Funds does not charge a fee for incoming or outgoing wires. However, we recommend that you check with your current Banking Institution before submitting a wire request, as you may incur a charge from your Bank.