HCBRX Fees and Costs — Harbor Core Bond Fund, Retirement Class
Data updated: 2026-09-25
The net expense ratio is 0.26%: a 0.23% management fee plus 0.05% other expenses, less a 0.02% fee waiver. There are no sales loads or redemption fees. Portfolio turnover was 45%.
HCBRX Fees and Expenses
Annual operating expenses and sales charges of HCBRX. Prospectus, as of October 31, 2025.
| Annual operating expenses | |
|---|---|
| Management fee | 0.23% |
| 12b-1 fee | 0.00% |
| Other expenses | 0.05% |
| Gross expense ratio | 0.28% |
| Fee waiver | −0.02% |
| Net expense ratio | 0.26% |
| 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 |
HCBRX Costs Over Time
On $10,000 invested in HCBRX, assuming 5% a year before costs, total costs come to $165 over 5 years, cutting the return by 0.27% 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 0.26%) | $27 | $86 | $150 |
| Lost growth on money paid in costs | $0 | $4 | $15 |
| Total costs | $27 | $90 | $165 |
| Value after costs | $10,473 | $11,486 | $12,598 |
| Impact on return, per year | 0.27% | 0.27% | 0.27% |
HCBRX 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): —
- Total broker commissions: —
- Bought from dealers (principal trades, not a cost): $1.6B
- Portfolio turnover (prospectus): 45%
- Securities lending: none during the year
HCBRX Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| BofA Securities, Inc. | $260.1M | 19.38% |
| Morgan Stanley & Co. LLC | $199.4M | 14.86% |
| Citigroup Global Markets Inc. | $158.9M | 11.84% |
| Barclays Capital Inc. | $153.7M | 11.45% |
| Citadel Securities LLC | $124.2M | 9.25% |
| Goldman Sachs & Co. LLC | $122.0M | 9.09% |
| BMO Capital Markets Corp. | $120.5M | 8.98% |
| BNY Capital Markets, LLC | $78.0M | 5.81% |
| J.P. Morgan Securities LLC | $64.9M | 4.83% |
| HSBC Securities (USA) Inc. | $60.6M | 4.51% |
Harbor Core Bond Fund Share Classes
Net expense ratio and maximum front-end load of each share class, cheapest first.
| Ticker | Class | Net expense ratio | Front load |
|---|---|---|---|
| HCBRX | Retirement Class | 0.26% | — |
| HACBX | Institutional Class | 0.34% | — |
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.