HNLVX Fees and Costs — Harbor Large Cap Value Fund, Retirement Class
Data updated: 2026-09-25
The net expense ratio is 0.61%: a 0.60% management fee plus 0.04% other expenses, less a 0.03% fee waiver. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $289K in broker commissions, 0.0195% of average net assets, and portfolio turnover was 10%.
HNLVX Fees and Expenses
Annual operating expenses and sales charges of HNLVX. Prospectus, as of October 31, 2025.
| Annual operating expenses | |
|---|---|
| Management fee | 0.60% |
| 12b-1 fee | 0.00% |
| Other expenses | 0.04% |
| Gross expense ratio | 0.64% |
| Fee waiver | −0.03% |
| Net expense ratio | 0.61% |
| 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 |
HNLVX Costs Over Time
On $10,000 invested in HNLVX, assuming 5% a year before costs, total costs come to $397 over 5 years, cutting the return by 0.66% 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 0.61%) | $64 | $201 | $349 |
| Trading costs (broker commissions) | $2 | $6 | $11 |
| Lost growth on money paid in costs | $0 | $10 | $36 |
| Total costs | $66 | $217 | $397 |
| Value after costs | $10,434 | $11,359 | $12,366 |
| Impact on return, per year | 0.66% | 0.66% | 0.66% |
HNLVX 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): 0.0195%
- Total broker commissions: $289K
- Bought from dealers (principal trades, not a cost): $47.1M
- Portfolio turnover (prospectus): 10%
- Securities on loan, average value: $3.5M
- Net income from securities lending: $5K (0.000% of average net assets)
HNLVX Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| BofA Securities, Inc. | $97K | 35.67% |
| Goldman Sachs & Co. LLC | $47K | 17.09% |
| Citigroup Global Markets Inc. | $29K | 10.67% |
| UBS Securities LLC | $19K | 6.98% |
| J.P. Morgan Securities LLC | $17K | 6.36% |
| BNY Capital Markets, LLC | $17K | 6.31% |
| CACEIS Bank Deutschland GmbH | $17K | 6.13% |
| Morgan Stanley & Co. LLC | $14K | 5.00% |
| BNP Paribas Securities Corp. | $10K | 3.68% |
| Stifel, Nicolaus & Company, Incorporated | $6K | 2.09% |
HNLVX Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| Goldman Sachs & Co. LLC | $47.1M | 100.00% |
Harbor Large Cap Value Fund Share Classes
Net expense ratio and maximum front-end load of each share class, cheapest first.
| Ticker | Class | Net expense ratio | Front load |
|---|---|---|---|
| HNLVX | Retirement Class | 0.61% | — |
| HAVLX | Institutional Class | 0.69% | — |
| HRLVX | Administrative Class | 0.94% | — |
| HILVX | Investor Class | 1.03% | — |
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.