HNINX Fees and Costs — Harbor International Fund, Retirement Class
Data updated: 2026-09-25
The net expense ratio is 0.72%: a 0.75% management fee plus 0.06% other expenses, less a 0.09% fee waiver. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $515K in broker commissions, 0.0145% of average net assets, and portfolio turnover was 17%.
HNINX Fees and Expenses
Annual operating expenses and sales charges of HNINX. Prospectus, as of October 31, 2025.
| Annual operating expenses | |
|---|---|
| Management fee | 0.75% |
| 12b-1 fee | 0.00% |
| Other expenses | 0.06% |
| Gross expense ratio | 0.81% |
| Fee waiver | −0.09% |
| Net expense ratio | 0.72% |
| 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 |
HNINX Costs Over Time
On $10,000 invested in HNINX, assuming 5% a year before costs, total costs come to $462 over 5 years, cutting the return by 0.77% 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 0.72%) | $76 | $237 | $411 |
| Trading costs (broker commissions) | $2 | $5 | $8 |
| Lost growth on money paid in costs | $0 | $12 | $42 |
| Total costs | $77 | $253 | $462 |
| Value after costs | $10,423 | $11,323 | $12,301 |
| Impact on return, per year | 0.77% | 0.77% | 0.77% |
HNINX 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): 0.0145%
- Total broker commissions: $515K
- Bought from dealers (principal trades, not a cost): $22.6M
- Portfolio turnover (prospectus): 17%
- Securities on loan, average value: $1.3M
- Net income from securities lending: $44K (0.001% of average net assets)
HNINX Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| J.P. Morgan Securities LLC | $67K | 18.09% |
| BofA Securities, Inc. | $62K | 16.70% |
| Daiwa Capital Markets America Inc. | $38K | 10.12% |
| CLSA Americas, LLC | $36K | 9.60% |
| Jefferies LLC | $35K | 9.39% |
| BNP Paribas Securities Corp. | $30K | 7.93% |
| Nomura Securities International, Inc. | $27K | 7.13% |
| UBS Securities LLC | $26K | 7.11% |
| Citigroup Global Markets Inc. | $26K | 6.99% |
| SMBC Nikko Securities America, Inc. | $26K | 6.94% |
HNINX Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| Daiwa Capital Markets America Inc. | $3.7M | 72.55% |
| SMBC Nikko Securities America, Inc. | $979K | 19.29% |
| Morgan Stanley & Co. LLC | $414K | 8.16% |
Harbor International Fund Share Classes
Net expense ratio and maximum front-end load of each share class, cheapest first.
| Ticker | Class | Net expense ratio | Front load |
|---|---|---|---|
| HNINX | Retirement Class | 0.72% | — |
| HAINX | Institutional Class | 0.80% | — |
| HRINX | Administrative Class | 1.05% | — |
| HIINX | Investor Class | 1.14% | — |
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.