High-Yield Bond - 2024 - www.harborfunds.com

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High-Yield Bond - 2024

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	Investor Class		Institutional Class		Administrative Class


Fund Overview	\|	Fund Facts	\|	Top Holdings	\|	Performance	\|	Manager

This graph compares a hypothetical $10,000 investment in the Fund over the past ten years (or since its inception for funds lacking ten year records) with the performance of the BofA Merrill Lynch US High-Yield Index. The Fund's performance includes the reinvestment of all dividend and capital gain distributions.

Fund's Best & Worst Calendar Quarters

	Total Return	Quarter End
Best	9.60 %	09/30/09
Worst	-10.09 %	12/31/08

Average Annual Returns

As of 12/31/09 | Month End Peformance

One Year

Five Year

Ten Year

Since Inception (12/01/2002 )

% Current
30 Day Yield

Expense Ratios
Net	Gross

High-Yield Bond

30.89 %

5.42 %

7.88 %

6.81 %

0.80 % ^(a)

0.90%

BofA Merrill Lynch US High Yield Index

57.51 %

6.35 %

9.97 %

Performance data quoted represents past performance and is no guarantee of future results. Current performance may be higher or lower than performance data quoted. An investor's actual return and principal value on an investment will fluctuate, and the shares, when redeemed, may be worth more or less than their original cost. Investors should consider a Fund's investment objective, risk, fees and expenses carefully before investing. For this and other information, including information about all share classes, please consult a prospectus and read it carefully before investing.
About Expense Ratios: All mutual funds have expense ratios which represent what shareholders pay for operating expenses and management fees. Expense ratios are expressed as an annualized percentage of a fund's average net assets paid out in expenses. Net expense ratios reflect adjustments due to voluntary or contractual fee waivers or expense reimbursements. Expense ratio information is as of the Funds' current prospectus, as revised and supplemented to date.

(a) Voluntary. Waivers may be discontinued at any time without notice, although the adviser has no present intention to do so.

The Harbor Fund performance presented assumes the reinvestment of dividend and capital gain distributions and is net of management fees and expenses. From time to time, certain fees and/or expenses have been voluntarily waived, which has resulted in higher returns. Without these waivers, the returns would have been lower. The waivers may be discontinued at any time without notice. Harbor Funds is no-load; other fees and expenses do apply to a continued investment in the Fund and are described in the Fund's current prospectus. Please keep in mind that as a result of changing market conditions, total asset levels and other factors, expenses at any time during the current fiscal period may differ from those shown.

Average annual total return and total return measure change in the value of an investment in the Fund and assume reinvestment of all dividend and capital gain distributions. Average annual total return reflects annualized change while total return reflects aggregate change.

The BofA Merrill Lynch US High-Yield Bond Index is an unmanaged index that tracks the performance of below investment grade U.S. dollar-denominated corporate bonds publicly issued in the U.S. domestic market. This unmanaged index does not reflect fees and expenses and is not available for direct investment.

The Fund has a redemption fee of 1.00% against shares that are held for less than 9 months. High-yield investing poses additional credit risk related to lower-rated bonds.

Fixed income investments are affected by interest rate changes and the creditworthiness of the issues held by the Fund. A rise in interest rates will cause a decrease in the value of fixed income funds. Such an event would have an adverse effect on the Fund.

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