Behavioral Finance

Our 2024 Annual Letter to Shareholders 

In our annual letter to shareholders, we examine the phenomena of momentum investing and the fear of missing out (FOMO). We also articulate pre-commitments we’ve made to mitigate these behavioral pitfalls.

In our annual letter to shareholders, we examine the phenomena of momentum investing and the fear of missing out (FOMO). We also articulate pre-commitments we’ve made to mitigate these behavioral pitfalls.

Inevitably, we face pressure to bend or break our risk guideline pre-commitments when FOMO is greatest. But our long experience with these absolute limits—such as the benefits of maximum weights when there were downturns in China (2020), in Brazil (2006-7), in Emerging Market banks (2012), in the IT sector (back in 1999-2000), and minimum weights during upturns in the US (2004-5) and in Japan (1998)—serves as positive reinforcement for such discipline.

Investments involve risk and loss is possible.

The Portfolio’s investment objectives, risks, charges and expenses must be read and considered carefully before investing. The statutory and summary prospectuses contain this and other important information about the investment company. They may be obtained by calling toll free (877) 435-8105, or visiting hardingloevnerfunds.com.

The Portfolio is distributed by Quasar Distributors, LLC.

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Harding Loevner’s insights present the individual viewpoints of members of Harding Loevner on a range of investment topics. For more detailed information regarding particular investment strategies, please visit our website, www.hardingloevner.com. Any statements made by employees of Harding Loevner are solely their own and do not necessarily express or relate to the views or opinions of Harding Loevner.

The information provided is as of the publication date and may be subject to change. Harding Loevner may currently hold or has previously held positions in the securities referenced, but there is no guarantee that Harding Loevner currently owns, or has ever owned, the securities mentioned herein. If Harding Loevner owns any of these securities, it may sell them at any time.

Any discussion of specific securities is not a recommendation to purchase or sell a particular security. Non-performance based criteria have been used to select the securities identified. It should not be assumed that investment in the securities identified has been or will be profitable. To request a complete list of holdings for the past year, please contact Harding Loevner.

There is no guarantee that any investment strategy will meet its objective. Past performance does not guarantee future results.

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