Harbor Funds at a Glance Retirement Class

As of 12/12/2018

Domestic EquityPriceChangeYTD Return

Capital Appreciation Fund Retirement Class

Inception: 12/29/1987 (HNACX)
$72.664.68%

Strategic Growth Fund Retirement Class

Inception: 03/06/2017 (HNGSX)
$19.270.94%

Mid Cap Growth Fund Retirement Class

Inception: 11/01/2000 (HNMGX)
$10.925.71%

Small Cap Growth Fund Retirement Class

Inception: 11/01/2000 (HNSGX)
$13.81-4.36%

Small Cap Growth Opportunities Fund Retirement Class

Inception: 02/01/2014 (HNSOX)
$12.522.20%

Large Cap Value Fund Retirement Class

Inception: 12/29/1987 (HNLVX)
$14.29-3.82%

Mid Cap Value Fund Retirement Class

Inception: 03/01/2002 (HNMVX)
$20.48-12.96%

Small Cap Value Fund Retirement Class

Inception: 12/14/2001 (HNVRX)
$32.59-10.25%

Small Cap Value Opportunities Fund Retirement Class

Inception: 08/01/2017 (HSRVX)
$9.21-11.01%
Target RetirementPriceChangeYTD Return
No applicable funds for this share class
International & GlobalPriceChangeYTD Return

International Fund Retirement Class

Inception: 12/29/1987 (HNINX)
$56.50-16.27%

Diversified International All Cap Fund Retirement Class

Inception: 11/02/2015 (HNIDX)
$10.21-11.83%

International Growth Fund Retirement Class

Inception: 11/01/1993 (HNGFX)
$13.51-14.60%

International Small Cap Fund Retirement Class

Inception: 02/01/2016 (HNISX)
$11.75-17.08%

Global Leaders Fund Retirement Class

Inception: 03/01/2009 (HNGIX)
$25.716.42%

Emerging Markets Equity Fund Retirement Class

Inception: 11/01/2013 (HNEMX)
$9.71-10.59%
Fixed IncomePriceChangeYTD Return

Convertible Securities Fund Retirement Class

Inception: 05/01/2011 (HNCVX)
$10.462.80%

High-Yield Bond Fund Retirement Class

Inception: 12/01/2002 (HNHYX)
$9.63-0.10%

High-Yield Opportunities Fund Retirement Class

Inception: 11/01/2017 (HHYRX)
$9.42-1.44%

Bond Fund Retirement Class

Inception: 12/29/1987 (HBFRX)
$11.15-1.22%

Core Bond Fund Retirement Class

Inception: 06/01/2018 (HCBRX)
$9.950.38%

Real Return Fund Retirement Class

Inception: 12/01/2005 (HRRNX)
$8.86-2.80%
As of 12/12/2018

Performance data shown represents past performance, which is no guarantee of future results. Current performance may be higher or lower than the past performance data shown. Investment returns and the value of an investment will fluctuate, and an investor's shares, when sold, may be worth more or less than their original cost. You can obtain performance data current to the most recent month-end (available within seven business days after the most recent month-end) by calling 800-422-1050 or visiting harborfunds.com.

The current yield more closely reflects the current earnings of the Harbor Money Market Fund than the total return.

Retirement Class shares commenced operations on March 1, 2016. The performance attributed to the Retirement Class shares prior to that date is that of the Institutional Class shares. Performance prior to March 1, 2016 has not been adjusted to reflect the lower expenses of Retirement Class shares. During this period, Retirement Class shares would have had returns similar to, but somewhat higher than, Institutional Class shares due to the fact that Retirement Class shares represent interests in the same portfolio as Institutional Class shares but are subject to lower expenses.

Retirement Class shares commenced operations on June 1, 2018. The performance attributed to the Retirement Class shares prior to that date is that of the Institutional Class shares. Performance prior to June 1, 2018 has not been adjusted to reflect the lower expenses of Retirement Class shares. During this period, Retirement Class shares would have had returns similar to, but somewhat higher than, Institutional Class shares due to the fact that Retirement Class shares represent interests in the same portfolio as Institutional Class shares but are subject to lower expenses.

The Harbor Funds performance shown assumes the reinvestment of dividend and capital gain distributions and is net of management fees and expenses. Returns for periods less than one year are not annualized.

From time to time, certain fees and/or expenses have been voluntarily or contractually waived or reimbursed, which has resulted in higher returns. Without these waivers or reimbursements, the returns would have been lower. Voluntary waivers or reimbursements may be applied or discontinued at any time without notice. Only the Board of Trustees may modify or terminate contractual fee waivers or expense reimbursements.

The Morningstar Rating™ for funds, or "star rating", is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange-traded funds, closed-end funds, and separate accounts) with at least a three-year history. Exchange-traded funds and open-ended mutual funds are considered a single population for comparative purposes. It is calculated based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a managed product's monthly excess performance, placing more emphasis on downward variations and rewarding consistent performance. The top 10% of products in each product category receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The Overall Morningstar Rating for a managed product is derived from a weighted average of the performance figures associated with its three-, five-, and 10-year (if applicable) Morningstar Rating metrics. The weights are: 100% three-year rating for 36-59 months of total returns, 60% five-year rating/40% three-year rating for 60-119 months of total returns, and 50% 10-year rating/30% five-year rating/20% three-year rating for 120 or more months of total returns. While the 10-year overall star rating formula seems to give the most weight to the 10-year period, the most recent three-year period actually has the greatest impact because it is included in all three rating periods.

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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 Fund's current prospectus, as revised and supplemented from time to time.