HAOAX Fees and Costs — Harbor International Core Fund, Administrative Class
Data updated: 2026-09-25
The net expense ratio is 1.10%: a 0.75% management fee, a 0.25% 12b-1 fee plus 0.26% other expenses, less a 0.16% fee waiver. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $370K in broker commissions, 0.0700% of average net assets, and portfolio turnover was 123%.
HAOAX Fees and Expenses
Annual operating expenses and sales charges of HAOAX. Prospectus, as of February 28, 2025.
| Annual operating expenses | |
|---|---|
| Management fee | 0.75% |
| 12b-1 fee | 0.25% |
| Other expenses | 0.26% |
| Gross expense ratio | 1.26% |
| Fee waiver | −0.16% |
| Net expense ratio | 1.10% |
| Sales charges | |
|---|---|
| Max front load | — |
| Max deferred load | — |
| Redemption fee | — |
| Expense limitation in place (N-CEN) | Yes |
| Fees waived or reduced during the year | Yes |
| Waived fees subject to recoupment | No |
HAOAX Costs Over Time
On $10,000 invested in HAOAX, assuming 5% a year before costs, total costs come to $729 over 5 years, cutting the return by 1.23% a year. Illustration, not a forecast: it assumes today's net expense ratio throughout (a fee waiver may end).
| $10,000 invested | Sell after 1 year | Sell after 3 years | Sell after 5 years |
|---|---|---|---|
| Value before costs | $10,500 | $11,576 | $12,763 |
| Fund expenses (net expense ratio 1.10%) | $116 | $360 | $623 |
| Trading costs (broker commissions) | $7 | $23 | $40 |
| Lost growth on money paid in costs | $0 | $19 | $67 |
| Total costs | $123 | $402 | $729 |
| Value after costs | $10,377 | $11,175 | $12,033 |
| Impact on return, per year | 1.23% | 1.23% | 1.23% |
HAOAX Trading Costs
Brokerage costs reported on SEC Form N-CEN for the fiscal year ending October 31, 2025.
- Explicit cost rate (commissions ÷ average net assets): 0.0700%
- Total broker commissions: $370K
- Bought from dealers (principal trades, not a cost): —
- Portfolio turnover (prospectus): 123%
- Securities on loan, average value: $1.1M
- Net income from securities lending: $14K (0.003% of average net assets)
HAOAX Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| Nomura Securities International, Inc. | $81K | 22.55% |
| Morgan Stanley & Co. LLC | $56K | 15.51% |
| HSBC Securities (USA) Inc. | $51K | 14.14% |
| UBS Securities LLC | $41K | 11.50% |
| J.P. Morgan Securities LLC | $38K | 10.61% |
| Citigroup Global Markets Inc. | $27K | 7.43% |
| Jefferies LLC | $25K | 7.02% |
| BofA Securities, Inc. | $25K | 6.95% |
| Goldman Sachs & Co. LLC | $11K | 3.08% |
| Guzman & Company | $4K | 1.19% |
Harbor International Core Fund Share Classes
Net expense ratio and maximum front-end load of each share class, cheapest first.
| Ticker | Class | Net expense ratio | Front load |
|---|---|---|---|
| HAORX | Retirement Class | 0.77% | — |
| HAOSX | Institutional Class | 0.85% | — |
| HAOAX | Administrative Class | 1.10% | — |
| HAONX | Investor Class | 1.19% | — |
For information only. Not investment advice: figures are as reported in SEC filings and may contain errors or be out of date. Past performance does not guarantee future results.