Harbor Capital Appreciation Fund Retirement Class (HNACX)

Overview

This fund is designed for investors looking to capitalize on the growth potential of U.S. companies. It primarily focuses on equity securities, encompassing both common and preferred stocks, of companies with a minimum market capitalization of $1 billion at the time of purchase. The fund’s strategy is to invest in businesses that not only display above-average prospects for growth but also are expected by the Subadvisor to demonstrate or achieve superior earnings growth. This focus on mid and large cap companies aligns with the fund's growth-oriented investment philosophy. Additionally, it offers a degree of global exposure by allocating up to 20% of its total assets to foreign issuers, including those in emerging markets, thus providing a diversified portfolio that transcends U.S. borders.

Products and Services

• Equity Securities:

  The core of the fund's investment strategy lies in its commitment to equity securities - primarily common and preferred stocks. These instruments represent ownership in companies with solid growth prospects, facilitating participation in the financial successes of mid to large capped U.S. companies.

• U.S. Companies Growth Focus:

  The fund targets companies with a market capitalization of at least $1 billion, indicating a focus on more established businesses within the U.S. market. These companies are selected based on their potential for above-average growth and earnings, offering investors opportunities for significant returns on their investments.

• Global Exposure:

  While primarily focused on U.S. equities, the fund diversifies its portfolio by investing up to 20% of its total assets in foreign issuers. This includes companies located in or doing business within emerging markets, providing an expanded risk/return profile that leverages global growth trends beyond the domestic U.S. market.