Harbor Funds | Tax Center

Education & FAQs

Tax Center

The Harbor Tax Center provides you with useful information about the tax statements you will be receiving, and how they can be used.

Do you have specific questions about your Harbor tax statements?


What's New

TurboTax     Quicken     HR Block At Home

Your Harbor Funds account now works with TurboTax, Quicken and H&R Block At Home

You can now use Quicken to download your account information, and you can download your Harbor Funds tax information directly into TurboTax or H&R Block At Home. Learn more...

 Statements and Tax Documents Available on harborfunds.com

Even without signing up for E-delivery, you can still log into harborfunds.com and get online access to any of your Harbor statements, confirmations or tax forms. Learn more...

Harbor Funds Tax Statements

The table below lists all of the various tax statements that Harbor will be sending out to shareholders in early 2010. These statements will also be available online when you login to your account.

Note: Not all shareholders will receive all of these documents - it depends on the funds and accounts you hold with us.


IRS Form Description Expected Mailing Date
1099-R Form 1099-R reports any distributions you have taken from your Harbor retirement accounts. January 29, 2010
Now available online.
1099-DIV The Form 1099-DIV is a record of all taxable capital gains and dividends paid to you, including those that have been re-invested in a given tax year. You would use Form 1099-DIV to help report income received from investments on your tax return.Note: Forms are not sent to investors who received or re-invested a total of less than $10 per fund. February 5, 2010
Now available online.
1099-B with Cost Basis Any redemptions you made during the tax year will result in a gain or loss, depending on whether the fund price increased or decreased from what you paid for it. For partial redemptions we calculate the cost basis of the redemption by adding up the cost basis for the entire account and dividing by the number of shares. To determine whether short- or long-term capital gains apply, the IRS presumes you sell the oldest shares first. Form 1099-B summarizes the proceeds and includes the costs basis of all transactions. Figures from Form 1099-B are used on IRS Form 1040, Schedule D. February 5, 2010
Now available online.
1042-S Form 1042-S reports distributions of ordinary income dividends, long-term capital gains, gain from U.S. real property interests, and return of capital paid during the year to beneficial owners who are either non-resident aliens or foreign entities. March 12, 2010
Now available online.
5498 Form 5498 reports your IRA contributions to the IRS. Harbor files this form directly with the IRS by May 31. The copy you receive will be just that - a copy for your records. You do not need to submit the Form 5498 to the IRS. May 28, 2010
Now available online.

Interest on U.S. Government Securities

Interest on U.S. Government Securities — Year-Ended December 31, 2009

Listed in the table below is the percentage of dividends paid by each Harbor fund in 2009 which was derived from U.S. Treasury and Federal Agency obligations. If the fund you own is not listed, it does not qualify for this exemption.


Fund Name Percentage of Income from U.S. Government Obligations
Harbor Commodity Real Return Strategy Fund* 6.41%
Harbor Bond Fund 4.41%
Harbor Real Return Fund 32.83%
Harbor Short Duration Fund 24.97%
Harbor Money Market Fund 73.24%

* This fund meets the threshold requirements for California, Connecticut and New York, which require that 50% of a fund's assets at each quarter-end within the tax year consist of U.S. government obligations.

The information shown above should not be construed as specific tax, legal or investment advice. If you have questions, please consult with your tax adviser.

Corporate Dividends Received Deduction

2009 Corporate Dividends Recieved Deduction

The following percentage of each Fund's ordinary income (income dividends plus short-term capital gain distributions) qualifies for the federal 70% deduction from corporate dividends received. To be eligible for the deduction you must be a taxable corporation. Your eligibility for this deduction could be affected by certain provisions of the Internal Revenue Code. Please consult your tax adviser.


Fund Name Percentage Eligible for Corporate Deduction
Harbor Capital Appreciation Fund 100.00%
Harbor Large Cap Value Fund 98.32%
Harbor Mid Cap Value Fund 100.00%
Harbor Small Cap Value Fund 100.00%
Harbor Small Company Value Fund 100.00%
Harbor Global Value Fund 58.06%
Harbor Global Growth Fund 1.22%

Foreign Tax Credit

2009 Foreign Tax Credit Information

Certain Harbor funds have elected to pass through to shareholders foreign taxes paid by the fund. As a shareholder, you may be entitled to claim a foreign tax credit or take an itemized deduction, as applicable, on your federal income tax return for the foreign taxes paid by the funds which are included on the following table. Depending on your individual situation, you may need to file Foreign Tax Credit Form 1116 (Individual, Estate or Trust) or Form 1118 (Corporation).

Shareholders completing Form 1116 for tax year 2009 are no longer required to report foreign taxes paid on a country-by-country basis. To complete Part I of Form 1116, calculate your total income from foreign sources paid by the fund by multiplying the amount on Box 1a of your 1099-DIV by the percentage found in the following table and enter the result on line 1a. Enter "RIC" on line g. Enter foreign taxes paid from box 6 of 1099-DIV in Part II of the form.


Fund Name Percent of Box 1a That is Foreign Sourced Income Percent of Box 1b That is Foreign Sourced Income
Harbor International Fund 100.00% 100.00%
Harbor International Growth Fund 100.00% 100.00%
Harbor Global Value Fund 55.93% 55.93%

The information shown above should not be construed as specific tax, legal or investment advice. If you have questions, please consult with your tax adviser.

Tax Forms

 Form W-8BEN  (65KB)
 Form W-9  (256KB)
 Form W-8EXP  (58KB)
 Form W-8ECI  (55KB)
 Form W-8IMY  (62KB)