Annual fund charge
0.66%
vs peer avg 1.06%
Risk indicator
3/7
1 = lower risk · 7 = higher risk
5-year return p.a.
3.76%
peer avg 4.14%
Fund size
NZ$309.7m
52% growth · 48% income
The Fund is designed to provide a favourable level of income for investors seeking income with scope for capital appreciation and/or with a low tolerance for large declines in investment values. The Fund invests predominantly in New Zealand investment grade fixed interest securities and Australasian equities which pay a sustainable dividend yield. Other tools, such as active management and scope to invest in sub investment grade securities may also be used to enhance returns.
Key facts
Fund start date
28 October 2015
Tax structure
PIE
Capped at your PIR (max 28%)
Top 10 holdings
As at the latest published quarterly fund update.
| Holding | % of fund |
|---|---|
| NZGS INDEX LINKED BOND 3.00% 20/09/2030 | 6.97% |
| NZ GOVERNMENT STOCK 15/05/2036 4.25% | 3.81% |
| REVOLUTION PRIVATE DEBT FUND (NZD) PIE | 3.02% |
| CONTACT ENERGY | 2.95% |
| INFRATIL | 2.77% |
| JP MORGAN AUD CASH | 2.66% |
| NZ GOVERNMENT STOCK 15/05/2028 0.25% | 2.65% |
| NZ GOVERNMENT STOCK 15/05/2026 0.50% | 2.25% |
| MAINFREIGHT | 2.10% |
| PCG DIVERSIFIED NZ PRIVATE DEBT FUND PIE | 2.10% |
Documents
Every dated PDS, quarterly fund update and full-portfolio holdings file. Linked from the FMA Disclose register via Sorted Smart Investor.
- HARBOUR INCOME FUND (FND1422) Full portfolio holdings 31 December 2025.xlsx Download the full portfolio holdings. XLSX, 14.43 KB
- Harbour Investment Funds PDS Diversified Funds.pdf How this investment works, including about the provider, risks, costs and potential returns PDF, 963.93 KB
- Fund Update Harbour Income Fund Dec 2025.pdf The quarterly update published by the provider PDF, 400.28 KB
- T.Rowe Price Global Equity Growth Fund (RUT)2016.pdf T. Rowe Price Global Equity Fund financial statements 30 June 2016 PDF, 5.55 MB
- Harbour NZ Fixed Interest Funds (RUT)2016.pdf Retail Harbour Fixed Interest Funds Financial statements 30 June 2016 PDF, 6.77 MB
- Harbour Australasian Equity Funds (RUT)2016.pdf Retail Harbour Equity Funds Financial Statements 30 June 2016 PDF, 7.11 MB
- Harbour ESG Policy 21 November 2025.pdf Harbour - Environmental, Social and Governance Policy - 21 November 2025 PDF, 396.35 KB
- Harbour Investment Funds PDS Global Funds.pdf Additional product disclosure statement from the provider PDF, 972.61 KB
- Harbour Investment Funds PDS Australasian Equities and Fixed Interest Funds.pdf Additional product disclosure statement from the provider PDF, 1.26 MB
- Harbour Investment Funds Other Material Information.pdf Other Material Document PDF, 433.92 KB
- Harbour Investment Funds Statement of Investment Policy and Objectives.pdf Statement of investment policy and objectives PDF, 762.79 KB
About this category
Multi-asset funds that hold a mix of shares, bonds, cash and sometimes property in a single portfolio. The mix determines the risk profile — aggressive funds hold more shares, conservative funds hold more bonds and cash.
About Harbour
Active equity, fixed income and multi-asset manager with a sustainability-aware overlay.
See all funds from Harbour →Head-to-head
Compare Harbour Income Fund with…
Side-by-side numbers — fees, returns, risk, fund size, asset mix.
Peer funds
