Education & FAQs

Retirement Center

How To Contribute To Your IRA...


How to Open an IRA Account To open an IRA account, complete an IRA application form and mail it back to Harbor Funds with your check.  You can either complete the application on your computer and print it, or print the blank application and complete it by hand.
Contribution Limits

For the 2018 tax year, your total contributions to all of your Traditional and Roth IRAs cannot be more than $5,500 ($6,500 if you're age 50 or older), or your taxable compensation for the year, if your compensation was less than this dollar amount.

For the 2019 tax year, your total contributions to all of your Traditional and Roth IRAs cannot be more than $6,000 ($7,000 if you're age 50 or older), or your taxable compensation for the year, if your compensation was less than this dollar amount.

The SEP IRA contribution limit is the lesser of 25% of your compensation or $55,000 for 2018 and $56,000 for 2019.

For more information about contribution limits for IRAs and other retirement plans, review our chart on Retirement Plan Limits.

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: