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Harding Loevner International Fund

An International Fund targeting superior risk-adjusted returns through investing in high-quality and durable growing companies at reasonable prices.

February 2026 - Monthly REPORT

UPCOMING EVENT

February Report

SUMMARY

  • The Fund declined 1.1% in February, modestly underperforming the MSCI All Country World Total Return Index (net, AUD), which fell 0.4%, as weakness in several technology-related holdings offset gains elsewhere in the portfolio.
  • Japan and Emerging Markets were the strongest-performing regions during the month, supported by strong gains from South Korean memory chip manufacturers, while the US lagged amid ongoing concerns about the potential disruption of traditional software business models by artificial intelligence.
  • Within the portfolio, positive contributions from Tradeweb and Chugai Pharmaceutical were offset by weakness in Tencent and Booking Holdings. The Fund also initiated a new position in Reinsurance Group of America.

PORTFOLIO

Top Holdings (alphabetically)

Alphabet Inc. Class A
United States
Communication Services
Alphabet Inc. operates as a holding company. The Company, through its subsidiaries, provides web-based search, advertisements, maps, software applications, mobile operating systems, consumer content, enterprise solutions, commerce, and hardware products.
Amazon.com, Inc.
United States
Consumer Discretionary
Amazon.com, Inc. is an online retailer that offers a wide range of products. The Company products include books, music, computers, electronics and numerous other products. Amazon offers personalized shopping services, Web-based credit card payment, and direct shipping to customers. Amazon also operates a cloud platform offering services globally.
ASML Holding NV
Netherlands
Information Technology
ASML Holding N.V. develops, produces, and markets semiconductor manufacturing equipment, specifically machines for the production of chips through lithography. The Company services clients worldwide.
Meta Platforms Inc Class A
United States
Communication Services
Meta Platforms, Inc. operates as a social technology company. The Company builds applications and technologies that help people connect, find communities, and grow businesses. Meta Platform is also involved in advertisements, augmented, and virtual reality.
Microsoft Corporation
United States
Information Technology
Microsoft Corporation develops, manufactures, licenses, sells, and supports software products. The Company offers operating system software, server application software, business and consumer applications software, software development tools, and Internet and intranet software. Microsoft also develops video game consoles and digital music entertainment devices.
Netflix, Inc.
United States
Communication Services
Netflix, Inc. engages in providing entertainment services. It also offers activities for leisure time, entertainment video, video gaming, and other sources of entertainment. It operates through the United States and International geographic segments. The company was founded by Marc Randolph and Wilmot Reed Hastings on August 29, 1997 and is headquartered in Los Gatos, CA.
NVIDIA Corporation
United States
Information Technology
NVIDIA Corporation designs, develops, and markets three dimensional (3D) graphics processors and related software. The Company offers products that provides interactive 3D graphics to the mainstream personal computer market.
Schneider Electric SE
France
Industrials
Schneider Electric SE manufactures electrical power products. The Company offers car chargers, home security goods, light switches, access control, sensors, valves, circuit breakers, cables, accessories, signaling devices, fuse, motor starters, and voltage transformers. Schneider Electric serves customers worldwide.
Taiwan Semiconductor Manufacturing Co., Ltd.
Taiwan, China
Information Technology
Taiwan Semiconductor Manufacturing Co., Ltd. engages in the manufacture and sale of integrated circuits and wafer semiconductor devices. Its chips are used in personal computers and peripheral products, information applications, wired and wireless communications systems products, and automotive and industrial equipment including consumer electronics such as digital video compact disc player, digital television, game consoles, and digital cameras. The company was founded by Chung Mou Chang on February 21, 1987 and is headquartered in Hsinchu, Taiwan.
Tencent Holdings Ltd
Hong Kong
Communication Services
Tencent Holdings Ltd. provides value-added services, online advertising services, and fintech and business services. It operates through the following segments: Value-Added Services, FinTech and Business Services, Online Advertising, and Others. The Value-Added Services segment is involved in online and mobile games, community value-added services, and applications across various Internet and mobile platforms. The FinTech and Business Services segment offers fintech and cloud services, which include commissions from payment, wealth management and other services. The Online Advertising segment refers to the display based and performance-based advertisements. The Other segment is composed of trademark licensing, software development services, software sales, and other services. The company was founded by Yi Dan Chen, Hua Teng Ma, Chen Ye Xu, Li Qing Zeng, and Zhi Dong Zhang on November 11, 1998, and is headquartered in Shenzhen, China.

Sector Breakdown

Capitalisation Breakdown

Region Breakdown

PERFORMANCE

PERFORMANCE SINCE STRATEGY INCEPTION

NET PERFORMANCE FOR PERIODS ENDING 28 Feb 20266

Pengana Harding Loevner International Fund Class B

The Class was established in 1 July 2015. From June 2021 Harding Loevner was appointed as the investment manager for the Fund.

1M 1Y 2Y 3Y
Since
Harding Loevner
Appointed June 20211
5Y
Since Fund
Inception
July 20152
Since Strategy
Inception
November 19893
Fund (APIR PCL0026AU)1,2

Managed by Harding Loevner from June 2021
-1.1% -0.7% 6.5% 13.2% 5.7% 6.0% 9.2%
Current Strategy (Partial Simulation)4

Harding Loevner Global Equity Strategy
6.4% 10.4% 9.3%
Index5 -0.4% 8.4% 14.3% 18.5% 12.3% 13.6% 11.7% 7.8%

Swipe horizontally to see all columns

PERFORMANCE SINCE STRATEGY INCEPTION

NET PERFORMANCE SINCE INCEPTION7

COMMENTARY

Market Commentary

Global equity markets delivered mixed performance in February as investors continued to assess the economic implications of accelerating investment in artificial intelligence and the durability of global growth. While several international markets advanced during the month, weakness in the US weighed on broader benchmark returns.

Japan was the strongest-performing major market, supported by improving corporate fundamentals, ongoing governance reforms and sustained investor interest in Japanese equities. Emerging Markets also performed well, led by South Korea, where memory chip manufacturers extended their strong momentum amid continued demand for AI-related infrastructure and data centre capacity.

In contrast, the US lagged behind global markets. Weakness was concentrated in software and services companies as investors grew increasingly concerned that rising capital expenditure associated with artificial intelligence development could pressure margins and weigh on near-term profitability. These concerns contributed to continued volatility across segments of the technology sector that had previously benefited from strong enthusiasm around AI-driven growth.

At the sector level, Materials performed strongly, supported by rising gold prices during the month. Communication Services lagged as investors reassessed the profitability outlook for companies, increasing their investment in artificial intelligence capabilities.

Portfolio Commentary

The Fund declined 1.14% in February, underperforming the benchmark, which fell 0.43%, as individual stock movements were the primary drivers of relative performance. Weakness among several technology-related holdings weighed on performance, offsetting positive contributions from holdings in Financials and Health Care.

In Emerging Markets, shares of Tencent, the Chinese internet and digital services platform, declined alongside other Chinese technology companies following speculation that authorities could increase value-added taxes on internet businesses. Within Consumer Discretionary, Booking Holdings, the global online travel booking platform, also lagged as investors expressed concern that advances in artificial intelligence could alter how consumers search for and plan travel, potentially affecting the competitive position of established booking intermediaries.

These headwinds were partly offset by strong contributions elsewhere in the portfolio. Tradeweb Markets, the US-based electronic trading platform for fixed income, derivatives and ETFs, rose after reporting strong fourth-quarter revenue growth and a sharp increase in trading volumes across its platforms in January. In Health Care, Chugai Pharmaceutical, the Japanese biotechnology company majority-owned by Roche, performed strongly after reporting solid growth in revenue and operating profit, supported by royalty income from its haemophilia and dermatology treatments.

Toward the end of February, tensions in the Middle East escalated sharply. While geopolitical developments are difficult to forecast, the team evaluates such events through the lens of the businesses held in the portfolio rather than attempting to predict near-term outcomes. The portfolio has limited exposure to companies tied directly to defence or fossil fuel production. If global growth expectations were to weaken, some of the portfolio’s most highly valued companies linked to the artificial intelligence value chain could face pressure. Industrial and electronic equipment companies held in the portfolio, including Amphenol, Schneider Electric and Atlas Copco, may benefit over time from reconstruction and infrastructure demand.

During the month, the Fund initiated a new position in Reinsurance Group of America, a global provider of life and health reinsurance. The company operates in a specialised segment of the insurance market offering stable growth and higher barriers to entry than traditional property and casualty markets. With operations in more than 25 countries and strong underwriting capabilities, the company is well positioned to expand internationally.

PROFILE

Platform Availability

BT Panorama, Dash, Hub24, Macquarie Wrap - IDPS & Super, Netwealth - IDPS, Praemium - IDPS, SMA & Powerwrap

STATISTICAL DATA2

PORTFOLIO SUMMARY
VOLATILITY8
10.8%
NUMBER OF STOCKS
63
BETA9
0.9

FEATURES

  • APIR CODE PCL0026AU
  • REDEMPTION PRICEA$ 0.9884
  • FEES * Management Fee: 0.974%
    Performance Fee: Nil
  • Minimum initial investment $10,000
  • FUM AT MONTH END A$ 26.34m
  • STRATEGY INCEPTION DATE 1 December 1989
  • BenchmarkMSCI All Country World Total Return Index (net) in $A

Fund Managers

Jingyi Li

Portfolio Manager

Rick Schmidt

Portfolio Manager

Description

An International Fund targeting superior risk-adjusted returns through investing in high-quality and durable growing companies at reasonable prices.

The Pengana Harding Loevner International Fund invests in high-quality, growing companies identified through fundamental research with a long-term, global perspective.

Pengana has appointed Harding Loevner to managed the Fund.  Harding Loevner is a New Jersey-based global equity fund manager formed in 1989 with over US$86billion in Assets under Management.

Harding Loevner’ analysts search the world for companies that meet their high quality and durable growth criteria, conduct fundamental research, then value and rate their stocks to make them available to PMs for investment.

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Global Small Companies Fund
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WHEB Sustainable Impact Fund
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High Conviction Equities Fund
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Pengana International Equities Limited (ASX: PIA)
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Private Equity Trust (ASX: PE1)
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Pengana Global Private Credit Trust (ASX:PCX)
Pengana Global Private Credit Trust (ASX:PCX)
Pengana Global Private Income Fund
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Alpha Israel Fund
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Pengana Diversified Private Credit Fund
Pengana Diversified Private Credit Fund

1. Harding Loevner was appointed fund manager as of 10 May 2021. June 2021 represents the first full month of Harding Loevner managing the Fund.
2. Class B Inception date 1 July 2015. Figures shown are calculated from the continuous performance of both the current and previous strategies. For performance see row labelled Fund (APIR PCL0026AU) in the table above which is the continuous performance of both the current and previous (shaded) strategies.
3. Harding Loevner Global Equity Strategy inception 1 Dec 1989
4. Prior to June 2021, the Harding Loevner Global Equity Strategy performance (labelled ‘Current Strategy (Partial Simulation)’ and shown in the shaded area) includes the strategy performance simulated by Pengana from the monthly gross returns of the Harding Loevner Global Equity strategy. This simulation was done by: 1) the conversion of US-denominated gross returns to AUD, 2) applying the fee structure of Class B. From June 2021 the strategy performance is the performance of the Pengana Harding Loevner International Fund Class B.
5. MSCI All Country World Total Return Index in AUD.
6. Performance for periods greater than 12 months are annualised. Net performance figures are shown after all fees and expenses and assume reinvestment of distributions. No allowance has been made for buy/sell spreads. Please refer to the PDS for information regarding risks. Past performance is not a reliable indicator of future performance, the value of investments can go up and down.
7. The Harding Loevner Global Equity Strategy performance (shown in the shaded area in the chart, and in the performance table as row labeled ‘Harding Loevner Global Equity Strategy) has been simulated by Pengana from the monthly gross returns of the Harding Loevner Global Equity strategy. This simulation was done by: 1) the conversion of US-denominated gross returns to AUD, 2) applying the fee structure of the stated class. Strategy Inception 30 November 1989.
8. Annualised standard deviation since inception.
9. Relative to MSCI All Country World Total Return Index in AUD
* For further information regarding fees please see the PDS available on our website.