Harbor Funds | Retirement Center

Education & FAQs

Retirement Center

The Harbor Retirement Center provides you with useful information about IRA accounts available from Harbor, including general information about Traditional vs. Roth IRAs, IRA contribution limits adn Frequently Asked Questions.


What's New

Open a New Traditional or Roth IRA Online—
Faster and Easier!


In just a few minutes, you can complete the application, choose your investments and fund your account - all online! Open a new IRA now...

Changes to the Roth IRA

New changes to the restrictions on Roth IRAs mean many investors can now convert existing Traditional IRAs into Roth IRAs. Learn more...


How To Contribute To Your IRA...


How to Open an IRA Account The fastest, easiest way to open an IRA account is online.

Open a New Account Online

Or if you prefer, you can download an application and fill it out electronically. Then simply print the completed application and mail it back to Harbor with your check.
2009 & 2010 Contribution Limits In 2009 and 2010, the IRS has set the following contribution limits:
     $5,000 for people under 50 years old
     $6,000 for people over 50 years old

SEP IRA contribution limit for 2009 and 2010 is $49,000 per year or 25% of compensation, whichever is less.
Harbor Fund Ticker Symbols For a convenient list of Harbor's fund numbers and ticker symbols, download this simple one-page guide.

Learn More About IRAs...

Are you new to IRAs? Or maybe you have questions about the changes to the rules regarding Traditional vs. Roth IRAs?
What's the difference? Find out below.

Traditional vs. Roth IRAs - Read this short document to learn the basic differences between the two types of IRAs, and help you decide which is the right option for you.

IRA Glossary - Lookup all of the terms and phrases you've seen to understand what they mean.

State Street Privacy Notice - Read how State Street Bank, the custodian of your IRA account, will keep your personal information safe.

Harbor IRA Application and Agreement Forms

Frequently Asked Question Topics

Click either of the topics below to see a list of related questions: