https://www.sec.gov/Archives/edgar/data/793769/000119312524264328/d833406d497.htm
497 1 d833406d497.htm HARBOR DISRUPTIVE INNOVATION FUND PROSPECTUS SUPPLEMENT
 
111 South Wacker Drive, 34th Floor
Chicago, IL 60606-4302
harborcapital.com
Supplement to Prospectus, Summary Prospectus, and Statement of Additional Information,
each dated March 1, 2024
Harbor Disruptive Innovation Fund
November 22, 2024
Harbor Funds’ Board of Trustees has determined to liquidate and dissolve Harbor Disruptive Innovation Fund (the “Fund”). The liquidation of the Fund is expected to occur on January 29, 2025 (the “Liquidation Date”). The liquidation proceeds will be distributed to any remaining shareholders on the Liquidation Date.
Shareholders may exchange shares of the Fund for another Harbor fund, or redeem shares out of the Fund, in accordance with Harbor’s exchange and redemption policies as set forth in the Fund’s prospectus, until the Liquidation Date.
In order to ready the Fund for liquidation, the Fund’s portfolio of investments will be transitioned prior to the planned Liquidation Date to one that consists of all or substantially all cash, cash equivalents and debt securities with remaining maturities of less than one year. As a result, shareholders should no longer expect that the Fund will seek to achieve its investment objective of seeking long-term growth of capital.
Because the Fund will be liquidating, the Fund is now closed to new investors. The Fund will no longer accept additional investments from existing shareholders beginning on January 22, 2025.

https://www.sec.gov/Archives/edgar/data/889284/000139834424021347/fp0091223-1_497.htm
497 1 fp0091223-1_497.htm
Filed pursuant to Rule 497(e)
File Nos. 033-49098 and 811-06719
STERLING CAPITAL FUNDS
SUPPLEMENT DATED NOVEMBER 22, 2024
TO THE STERLING CAPITAL BEHAVIORAL INTERNATIONAL EQUITY FUND SUMMARY PROSPECTUSES,
CLASS A AND CLASS C SHARES PROSPECTUS,
INSTITUTIONAL AND CLASS R6 SHARES PROSPECTUS,
AND STATEMENT OF ADDITIONAL INFORMATION,
EACH DATED FEBRUARY 1, 2024, AS SUPPLEMENTED
This Supplement provides the following amended and supplemental information and supersedes any information to the contrary with respect to the Sterling Capital Behavioral International Equity Fund in the Class A, Class C, Institutional and Class R6 Shares Summary Prospectuses, the Class A and Class C Shares Prospectus, the Institutional and Class R6 Shares Prospectus, and the Statement of Additional Information, each dated February 1, 2024, as supplemented:
The Board of Trustees of Sterling Capital Funds has approved the liquidation of the Sterling Capital Behavioral International Equity Fund (the “Fund”). The liquidation is expected to occur on or about January 24, 2025 (the “Liquidation Date”). As of the date hereof, shares of the Fund are no longer being offered for sale.
Prior to the Liquidation Date, you may sell your Fund shares, including reinvested distributions, in accordance with the “Selling Your Shares” section of the Fund’s prospectus. Unless your investment in the Fund is through a tax-deferred retirement account, a redemption is subject to tax on any taxable gains. You may wish to consult your tax advisor about your particular situation.
Prior to the Liquidation Date, the Fund will no longer pursue its stated investment objective. The Fund will begin liquidating its portfolio and may invest in cash, or cash equivalents such as money market funds, until all Fund shares have been redeemed and liquidation proceeds distributed to Fund shareholders.
ANY SHAREHOLDERS WHO HAVE NOT SOLD THEIR SHARES OF THE FUND PRIOR TO THE LIQUIDATION DATE WILL HAVE THEIR SHARES AUTOMATICALLY REDEEMED AS OF THAT DATE, AND PROCEEDS WILL BE SENT TO THE ADDRESS OF RECORD
Please contact your financial advisor or Sterling Capital Funds at 1-800-228-1872 if you have any questions about the liquidation.
IMPORTANT INFORMATION FOR RETIREMENT PLAN INVESTORS
If you are a retirement plan investor, you should consult your tax advisor regarding the consequences of a redemption of Fund shares and any distributions from your retirement account. If you receive a distribution from an Individual Retirement Account or a Simplified Employee Pension (SEP) IRA, you must roll the proceeds into another Individual Retirement Account within sixty (60) days of the date of the distribution in order to avoid having to include the distribution in your taxable income for the year. If you receive a distribution from a 403(b)(7) Custodian Account (Tax-Sheltered account) or a Keogh Account, you must roll the distribution into a similar type of retirement plan within sixty (60) days in order to avoid disqualification of your plan and the severe tax consequences that it can bring. If you are the trustee of a Qualified Retirement Plan, you may reinvest the money in any way permitted by the plan and trust agreement. For additional information regarding the liquidation, shareholders of the Fund may call 1-800-228-1872.
SHAREHOLDERS SHOULD RETAIN THIS SUPPLEMENT WITH THE PROSPECTUSES AND THE STATEMENT OF ADDITIONAL INFORMATION FOR FUTURE REFERENCE
SUPP-11222024

Thanks. do they charge 0.1% ($1 for every $1K face amount) in transaction fees?
I do not currently have a single Agency bond as every one of them I bought got called. I lost a 6% and a 5.6% for redemptions in the last couple of days.

@BaluBalu, from Schwab.
CUSIP 25161FZX9

22 Nov, '24.
Vonnie Quinn is in as guest host. I'm Irish, but her brogue drives me up the wall. "What? What did you say???"
https://www.bloomberg.com/news/videos/2024-11-22/bloomberg-real-yield-11-22-2024-video
Will Trump fire Powell? No. Rate cuts? Fewer. But Kurt Reiman of UBS would like to see more cuts, into and through 2025. By the end of '25, the dollar should be lower.
Then, there is a tactical discussion about spreads and yields.
Holiday-shortened week, next week. Thanksgiving.

Adding another 1000s of T-C to my income account. GTC order partially filled today.
If called next year, that'd be an extra $5K cap gain per 1000s tranche, which would be nice. Otherwise I'm happy to continue taking the QDI every quarter.

I've been doing to same @Level5 for much of this year, buying higher yielding long term callable bonds where you can still get at least 5.5+% until called. I just put an order in for a 10 year from DEUTSCHE BK yielding 5.75% at call. The next call isn't for 2 years, 11/29/2026.

CUSIP please as @Level5 did. thanks

Thank you all for the additional replies.
@WABAC, As always, on the money. That is what led me to start with FSCSX and the 25% in MSFT was a turn off for me. I do not mind focused / concentrated portfolios but 25% is too much for a Trump Presidency. I shall look for other active funds.

Hi @MikeM - 5.75% for 1st call at 2-yrs - terrific find!

Similar to @Chinfist, I like the argument that software has lagged and that it may present an opportunity. Chips and the Mag7 seem to be losing momentum, but AI remains a force. I nibbled at IGV today. It holds MSFT, of course, but not anywhere near the percentage in the Fidelity fund mentioned. IGV would still be considered by most as concentrated because the top 10 positions represent 56% of AUM.

I've been doing to same @Level5 for much of this year, buying higher yielding long term callable bonds where you can still get at least 5.5+% until called. I just put an order in for a 10 year from DEUTSCHE BK yielding 5.75% at call. The next call isn't for 2 years, 11/29/2026.

That flies in the face of the "it's your money" argument for investment accounts replacing pensions and social security. I have to think that someone that rises to a position of power in a state government has at least a squeak of understanding of how embedded and complex the definition of "a China asset" really is. Of course, it seems that Texas has had no problem defining investments with a perceived, true or not, liberal bias.
Of course, an accompaning Federal bill could purge the SP500 of any holdings that just might have some product with a battery that China profitted from. So I have legacy 403b in Texas from the 1980s. Corebridge is holding it. I wonder if it is still Texan if Corebridge has to check with Texas for my eligibility to my funds.
Do I throw my 2 cent government bought job Chinese pencil away and have my government job boss buy a 20 cent non-China pencil? Or does spending by political entities not count and they just want control over the money they told me was "my money".
Of course, the truth is that I cannot resist sucking in the world of possibilities when I know, really, I am just being silly. UMMM, or not.

Have purchased the following callable Agency Bonds from MMkt acct:
3130B3MS9 - 30-yr 6.25% (1st call date 2/25) IRA and taxable
3133ERB34 - 7-yr 5.125% (1st call date 5/25) IRA
3133ERB26 - 7-yr 5.0% (only call date posted 11/25) IRA

Thanks for all the replies. I read the fund page at Fidelity before posting.
25% in one company and not sufficient discussion from the manager about it.
I know there is IGV. I will have to explore what else is available in the space.
Having said that I seem to make good money on funds I buy without knowing what is in them. There is a fund ( some of you own) I started buying a weeks ago and it kept going up and I kept throwing more money at it. Then last night I looked to see what is inside it and I froze from what I saw in it. So, following my methods may not be a recipe for making money.

There was no time to get any bids, really, as a legacy flange pipe from an old toilet tying to the main output pipe was sprewing whiffy 70yo 'loam' onto the basement floor. Backed up and blocked all of a sudden, actually aerosoling into the basement air. Kind of gross, though not raw, really. So that entire section of the basement and the plumbing above to the working full master bath needed to be redone.
Then a lav 12' away also needed attention due to simple seepage / weepage (cast iron to pvc), and that drainpiping all got replaced and the lav toilet reseated and resealed.
Original 1950s construction patchworked ever since.
Finally, in checking and rooting out the pipe to the septic tank, some sag and near-collapse (all caught on video) was discovered; so round 2 is next week, excavating in yard. Water on-off and lots schlepping / removal of legacy cast iron.
Sure, I did briefly consider halting work midway and having my regular plumber come and assess things and estimate assembling a crew including rooter and jackhammer dig crew and assistant schleppers and parts and all that, then an outdoor excavator ... to what? See how much his total was under $37k?
Sila was onsite simply to do free sump pump inspection, since we're in a drought and the pump has not run in months. The lead master plumber immediately said Whoa, what is that sewage smell? He had me go flush upstairs several times and yelled at me to come down pronto to watch the spew and the burbling overflow around the cap collar on the floor.
Big outfit Sila is, East Coast, lots of tv ads and lowball promos. Staff seemed v smart and expert and clinically experienced. I distrust outfits that do a ton of advertising, but whatever.
Anyway, one never knows exactly what to do when time is of the essence.
I can send you the entire quote of damages plus lots of images, if you would like to see wtf.

@davidrmoran Was that the low bidder? $35 K seems high. Did you have to open walls also ?
Xplumber,Derf

M* on JFK/PFE:
"President-elect Donald Trump announced on Nov. 14 that he is nominating Robert F. Kennedy Jr. to be secretary of the Department of Health and Human Services under his new administration in 2025. RFK Jr. has strong views on public health and, if confirmed, could use his position to make changes at several of the 13 HHS divisions. In our Nov. 8 note, we discussed the potential tailwinds of a Trump administration, including possible repeal of the Medicare negotiation provision in the Inflation Reduction Act, less Federal Trade Commission scrutiny of acquisitions, and a likely continuation of lower corporate taxes. However, if RFK’s nomination is confirmed, we expect more “wild card” headwinds to the industry will come to fruition. As the HHS covers the US Food and Drug Administration and the Centers for Disease Control and Prevention, an HHS secretary skeptical of vaccine and obesity drug benefits could work to erode public trust, put up roadblocks for approval of new vaccines, and prevent the CDC from recommending any vaccines that make it through the approval process. With less federal guidance, we think it is possible certain states could waver in support of broad mandates for childhood vaccines. All of these could weigh on sales of vaccines in the US, including covid vaccine makers Moderna and BioNTech and big biopharma vaccine makers like GSK (we model 14% of GSK revenue from US vaccine sales in 2024), Pfizer (12%), Merck (9%), and Sanofi (6%)."

I own a little in the taxable. If it's all that, it will eventually become a bigger holding. Unfortunately, my timing has not been great. So it could be a while.
As for Microsloth, their original position dates to 1995. There hasn't been much reason to dump it since then.

no idea, and while I don't know if it's the alltime returns leader, I've been reading of its superiority for over 35y