0000934563 hct3:S000009382Member hct3:HcAdvisorsSharesMember 2011-11-02 2012-11-01 0000934563 hct3:S000029852Member hct3:HcAdvisorsSharesMember 2011-11-02 2012-11-01 0000934563 hct3:S000009382Member hct3:HcAdvisorsSharesMember hct3:C000085461Member 2011-11-02 2012-11-01 0000934563 hct3:S000029852Member hct3:HcAdvisorsSharesMember hct3:C000085461Member 2011-11-02 2012-11-01 0000934563 hct3:S000029852Member hct3:HcStrategicSharesMember 2011-11-02 2012-11-01 0000934563 hct3:S000009382Member hct3:HcStrategicSharesMember 2011-11-02 2012-11-01 0000934563 hct3:S000009382Member hct3:HcStrategicSharesMember hct3:C000025697Member 2011-11-02 2012-11-01 0000934563 hct3:S000029852Member hct3:HcStrategicSharesMember hct3:C000025697Member 2011-11-02 2012-11-01 0000934563 2011-11-02 2012-11-01 pure iso4217:USD Example: Example: 307 280 Example: Example: Annual Operating Expenses (expenses that you pay each year as a percentage of the value of your investment) 56 Annual Operating Expenses (expenses that you pay each year as a percentage of the value of your investment) 51 Annual Operating Expenses (expenses that you pay each year as a percentage of the value of your investment) 169 Annual Operating Expenses (expenses that you pay each year as a percentage of the value of your investment) 141 Other 2012-06-30 HC CAPITAL TRUST 2012-11-02 This Example is intended to help you compare the cost of investing in the Portfolio with the cost of investing in other mutual funds. The Example assumes that you invest $10,000 in the Portfolio for the time periods indicated and then redeem all of your shares at the end of those periods. The Example also assumes the reinvestment of all dividends and distributions in shares of the Portfolio and that your investment has a 5% return each year and that the Portfolio's operating expenses remain the same. Although your actual cost may be higher or lower, based on these assumptions, your costs would be: 176 160 This Example is intended to help you compare the cost of investing in the Portfolio with the cost of investing in other mutual funds. The Example assumes that you invest $10,000 in the Portfolio for the time periods indicated and then redeem all of your shares at the end of those periods. The Example also assumes the reinvestment of all dividends and distributions in shares of the Portfolio and that your investment has a 5% return each year and that the Portfolio's operating expenses remain the same. Although your actual cost may be higher or lower, based on these assumptions, your costs would be: This Example is intended to help you compare the cost of investing in the Portfolio with the cost of investing in other mutual funds. The Example assumes that you invest $10,000 in the Portfolio for the time periods indicated and then redeem all of your shares at the end of those periods. The Example also assumes the reinvestment of all dividends and distributions in shares of the Portfolio and that your investment has a 5% return each year and that the Portfolio's operating expenses remain the same. Although your actual cost may be higher or lower, based on these assumptions, your costs would be: 31 97 26 80 This Example is intended to help you compare the cost of investing in the Portfolio with the cost of investing in other mutual funds. The Example assumes that you invest $10,000 in the Portfolio for the time periods indicated and then redeem all of your shares at the end of those periods. The Example also assumes the reinvestment of all dividends and distributions in shares of the Portfolio and that your investment has a 5% return each year and that the Portfolio's operating expenses remain the same. Although your actual cost may be higher or lower, based on these assumptions, your costs would be: 0.0055 0.0025 0000934563 false 2012-11-02 2012-11-01 Supplement to Prospectus HC Advisors Shares Dated November 1, 2012 HC Capital Trust The date of this Supplement is November 2, 2012 The Core Fixed Income Portfolio:   <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%"> <tr> <td width="4%"> </td> <td valign="top" width="4%" align="left">1.</td> <td valign="top" align="left">Prior to December 4, 2012, the following replaces the Annual Operating Expenses section on page 49 of the Prospectus: </td></tr></table> Annual Operating Expenses (expenses that you pay each year as a percentage of the value of your investment)   <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr> <td width="96%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td></td></tr> <tr bgcolor="#cceeff"> <td valign="top"> Management Fees (based on asset allocations among Specialist Managers, see Advisory Services - Specialist Managers)</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.22</td> <td valign="bottom" nowrap="nowrap">% </td></tr> <tr> <td valign="top"> Distribution and/or Service (12b-1) Fees</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.25</td> <td valign="bottom" nowrap="nowrap">% </td></tr> <tr bgcolor="#cceeff"> <td valign="top"> Other Expenses</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.08</td> <td valign="bottom" nowrap="nowrap">% </td></tr> <tr> <td valign="top"> Total Annual Portfolio Operating Expenses</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.55</td> <td valign="bottom" nowrap="nowrap">% </td></tr></table> Example: This Example is intended to help you compare the cost of investing in the Portfolio with the cost of investing in other mutual funds. The Example assumes that you invest $10,000 in the Portfolio for the time periods indicated and then redeem all of your shares at the end of those periods. The Example also assumes the reinvestment of all dividends and distributions in shares of the Portfolio and that your investment has a 5% return each year and that the Portfolio's operating expenses remain the same. Although your actual cost may be higher or lower, based on these assumptions, your costs would be:   <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr> <td width="95%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td></td></tr> <tr bgcolor="#cceeff"> <td valign="top"> 1 Year</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">56</td> <td valign="bottom" nowrap="nowrap">  </td></tr> <tr> <td valign="top"> 3 Years</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">176</td> <td valign="bottom" nowrap="nowrap">  </td></tr> <tr bgcolor="#cceeff"> <td valign="top"> 5 Years</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">307</td> <td valign="bottom" nowrap="nowrap">  </td></tr> <tr> <td valign="top"> 10 Years</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">689</td> <td valign="bottom" nowrap="nowrap">  </td></tr></table> The U.S. Government Fixed Income Securities Portfolio:   <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%"> <tr> <td width="4%"> </td> <td valign="top" width="4%" align="left">1.</td> <td valign="top" align="left">Prior to December 4, 2012, the following replaces the Annual Operating Expenses section on page 58 of the Prospectus: </td></tr></table> Annual Operating Expenses (expenses that you pay each year as a percentage of the value of your investment)   <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr> <td width="96%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td></td></tr> <tr bgcolor="#cceeff"> <td valign="top"> Management Fees</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.17</td> <td valign="bottom" nowrap="nowrap">% </td></tr> <tr> <td valign="top"> Distribution and/or Service (12b-1) Fees</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.25</td> <td valign="bottom" nowrap="nowrap">% </td></tr> <tr bgcolor="#cceeff"> <td valign="top"> Other Expenses</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.08</td> <td valign="bottom" nowrap="nowrap">% </td></tr> <tr> <td valign="top"> Total Annual Portfolio Operating Expenses</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.50</td> <td valign="bottom" nowrap="nowrap">% </td></tr></table> Example: This Example is intended to help you compare the cost of investing in the Portfolio with the cost of investing in other mutual funds. The Example assumes that you invest $10,000 in the Portfolio for the time periods indicated and then redeem all of your shares at the end of those periods. The Example also assumes that your investment has a 5% return each year and that the Portfolios operating expenses remain the same. Although your actual cost may be higher or lower, based on these assumptions, your costs would be:   <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr> <td width="95%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td></td></tr> <tr bgcolor="#cceeff"> <td valign="top"> 1 Year</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">51</td> <td valign="bottom" nowrap="nowrap">  </td></tr> <tr> <td valign="top"> 3 Years</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">160</td> <td valign="bottom" nowrap="nowrap">  </td></tr></table> <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr> <td width="95%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td></td></tr> <tr bgcolor="#cceeff"> <td valign="top"> 5 Years</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">280</td> <td valign="bottom" nowrap="nowrap">  </td></tr> <tr> <td valign="top"> 10 Years</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">628</td> <td valign="bottom" nowrap="nowrap">  </td></tr></table> Supplement to Prospectus HC Strategic Shares Dated November 1, 2012 HC Capital Trust The date of this Supplement is November 2, 2012 The Core Fixed Income Portfolio:   <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%"> <tr> <td width="4%"> </td> <td valign="top" width="4%" align="left">1.</td> <td valign="top" align="left">Prior to December 4, 2012, the following replaces the Annual Operating Expenses section on page 48 of the Prospectus: </td></tr></table> Annual Operating Expenses (expenses that you pay each year as a percentage of the value of your investment)   <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr> <td width="96%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td></td></tr> <tr bgcolor="#cceeff"> <td valign="top"> Management Fees (based on asset allocations among Specialist Managers, see Advisory Services - Specialist Managers)</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.22</td> <td valign="bottom" nowrap="nowrap">% </td></tr> <tr> <td valign="top"> Other Expenses</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.08</td> <td valign="bottom" nowrap="nowrap">% </td></tr> <tr bgcolor="#cceeff"> <td valign="top"> Total Annual Portfolio Operating Expenses</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.30</td> <td valign="bottom" nowrap="nowrap">% </td></tr></table> Example: This Example is intended to help you compare the cost of investing in the Portfolio with the cost of investing in other mutual funds. The Example assumes that you invest $10,000 in the Portfolio for the time periods indicated and then redeem all of your shares at the end of those periods. The Example also assumes the reinvestment of all dividends and distributions in shares of the Portfolio and that your investment has a 5% return each year and that the Portfolio's operating expenses remain the same. Although your actual cost may be higher or lower, based on these assumptions, your costs would be:   <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr> <td width="95%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td></td></tr> <tr bgcolor="#cceeff"> <td valign="top"> 1 Year</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">31</td> <td valign="bottom" nowrap="nowrap">  </td></tr> <tr> <td valign="top"> 3 Years</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">97</td> <td valign="bottom" nowrap="nowrap">  </td></tr> <tr bgcolor="#cceeff"> <td valign="top"> 5 Years</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">169</td> <td valign="bottom" nowrap="nowrap">  </td></tr> <tr> <td valign="top"> 10 Years</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">381</td> <td valign="bottom" nowrap="nowrap">  </td></tr></table> The U.S. Government Fixed Income Securities Portfolio:   <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%"> <tr> <td width="4%"> </td> <td valign="top" width="4%" align="left">1.</td> <td valign="top" align="left">Prior to December 4, 2012, the following replaces the Annual Operating Expenses section on page 57 of the Prospectus: </td></tr></table> Annual Operating Expenses (expenses that you pay each year as a percentage of the value of your investment)   <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr> <td width="96%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td></td></tr> <tr bgcolor="#cceeff"> <td valign="top"> Management Fees</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.17</td> <td valign="bottom" nowrap="nowrap">% </td></tr> <tr> <td valign="top"> Other Expenses</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.08</td> <td valign="bottom" nowrap="nowrap">% </td></tr> <tr bgcolor="#cceeff"> <td valign="top"> Total Annual Portfolio Operating Expenses</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.25</td> <td valign="bottom" nowrap="nowrap">% </td></tr></table> Example: This Example is intended to help you compare the cost of investing in the HC Strategic Shares of the Portfolio with the cost of investing in other mutual funds. The Example assumes that you invest $10,000 in the Portfolio for the time periods indicated and then redeem all of your shares at the end of those periods. The Example also assumes that your investment has a 5% return each year and that the Portfolios operating expenses remain the same. Although your actual cost may be higher or lower, based on these assumptions, your costs would be:   <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr> <td width="95%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td></td></tr> <tr bgcolor="#cceeff"> <td valign="top"> 1 Year</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">26</td> <td valign="bottom" nowrap="nowrap">  </td></tr> <tr> <td valign="top"> 3 Years</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">80</td> <td valign="bottom" nowrap="nowrap">  </td></tr> <tr bgcolor="#cceeff"> <td valign="top"> 5 Years</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">141</td> <td valign="bottom" nowrap="nowrap">  </td></tr> <tr> <td valign="top"> 10 Years</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">318</td> <td valign="bottom" nowrap="nowrap">  </td></tr></table> 689 628 381 318 0.0022 0.0025 0.0008 0.0017 0.0008 0.0022 0.0008 0.003 0.0017 0.0025 0.0008 0.005 Supplement to Prospectus HC Advisors Shares Dated November 1, 2012 HC Capital Trust The date of this Supplement is November 2, 2012 The Core Fixed Income Portfolio:   <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%"> <tr> <td width="4%"> </td> <td valign="top" width="4%" align="left">1.</td> <td valign="top" align="left">Prior to December 4, 2012, the following replaces the Annual Operating Expenses section on page 49 of the Prospectus: </td></tr></table> Annual Operating Expenses (expenses that you pay each year as a percentage of the value of your investment)   <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr> <td width="96%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td></td></tr> <tr bgcolor="#cceeff"> <td valign="top"> Management Fees (based on asset allocations among Specialist Managers, see Advisory Services - Specialist Managers)</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.22</td> <td valign="bottom" nowrap="nowrap">% </td></tr> <tr> <td valign="top"> Distribution and/or Service (12b-1) Fees</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.25</td> <td valign="bottom" nowrap="nowrap">% </td></tr> <tr bgcolor="#cceeff"> <td valign="top"> Other Expenses</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.08</td> <td valign="bottom" nowrap="nowrap">% </td></tr> <tr> <td valign="top"> Total Annual Portfolio Operating Expenses</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.55</td> <td valign="bottom" nowrap="nowrap">% </td></tr></table> Example: This Example is intended to help you compare the cost of investing in the Portfolio with the cost of investing in other mutual funds. The Example assumes that you invest $10,000 in the Portfolio for the time periods indicated and then redeem all of your shares at the end of those periods. The Example also assumes the reinvestment of all dividends and distributions in shares of the Portfolio and that your investment has a 5% return each year and that the Portfolio's operating expenses remain the same. Although your actual cost may be higher or lower, based on these assumptions, your costs would be:   <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr> <td width="95%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td></td></tr> <tr bgcolor="#cceeff"> <td valign="top"> 1 Year</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">56</td> <td valign="bottom" nowrap="nowrap">  </td></tr> <tr> <td valign="top"> 3 Years</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">176</td> <td valign="bottom" nowrap="nowrap">  </td></tr> <tr bgcolor="#cceeff"> <td valign="top"> 5 Years</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">307</td> <td valign="bottom" nowrap="nowrap">  </td></tr> <tr> <td valign="top"> 10 Years</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">689</td> <td valign="bottom" nowrap="nowrap">  </td></tr></table> Supplement to Prospectus HC Strategic Shares Dated November 1, 2012 HC Capital Trust The date of this Supplement is November 2, 2012 The Core Fixed Income Portfolio:   <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%"> <tr> <td width="4%"> </td> <td valign="top" width="4%" align="left">1.</td> <td valign="top" align="left">Prior to December 4, 2012, the following replaces the Annual Operating Expenses section on page 48 of the Prospectus: </td></tr></table> Annual Operating Expenses (expenses that you pay each year as a percentage of the value of your investment)   <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr> <td width="96%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td></td></tr> <tr bgcolor="#cceeff"> <td valign="top"> Management Fees (based on asset allocations among Specialist Managers, see Advisory Services - Specialist Managers)</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.22</td> <td valign="bottom" nowrap="nowrap">% </td></tr> <tr> <td valign="top"> Other Expenses</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.08</td> <td valign="bottom" nowrap="nowrap">% </td></tr> <tr bgcolor="#cceeff"> <td valign="top"> Total Annual Portfolio Operating Expenses</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.30</td> <td valign="bottom" nowrap="nowrap">% </td></tr></table> Example: This Example is intended to help you compare the cost of investing in the Portfolio with the cost of investing in other mutual funds. The Example assumes that you invest $10,000 in the Portfolio for the time periods indicated and then redeem all of your shares at the end of those periods. The Example also assumes the reinvestment of all dividends and distributions in shares of the Portfolio and that your investment has a 5% return each year and that the Portfolio's operating expenses remain the same. Although your actual cost may be higher or lower, based on these assumptions, your costs would be:   <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr> <td width="95%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td></td></tr> <tr bgcolor="#cceeff"> <td valign="top"> 1 Year</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">31</td> <td valign="bottom" nowrap="nowrap">  </td></tr> <tr> <td valign="top"> 3 Years</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">97</td> <td valign="bottom" nowrap="nowrap">  </td></tr> <tr bgcolor="#cceeff"> <td valign="top"> 5 Years</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">169</td> <td valign="bottom" nowrap="nowrap">  </td></tr> <tr> <td valign="top"> 10 Years</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">381</td> <td valign="bottom" nowrap="nowrap">  </td></tr></table> Supplement to Prospectus HC Advisors Shares Dated November 1, 2012 HC Capital Trust The date of this Supplement is November 2, 2012 The U.S. Government Fixed Income Securities Portfolio:   <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%"> <tr> <td width="4%"> </td> <td valign="top" width="4%" align="left">1.</td> <td valign="top" align="left">Prior to December 4, 2012, the following replaces the Annual Operating Expenses section on page 58 of the Prospectus: </td></tr></table> Annual Operating Expenses (expenses that you pay each year as a percentage of the value of your investment)   <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr> <td width="96%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td></td></tr> <tr bgcolor="#cceeff"> <td valign="top"> Management Fees</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.17</td> <td valign="bottom" nowrap="nowrap">% </td></tr> <tr> <td valign="top"> Distribution and/or Service (12b-1) Fees</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.25</td> <td valign="bottom" nowrap="nowrap">% </td></tr> <tr bgcolor="#cceeff"> <td valign="top"> Other Expenses</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.08</td> <td valign="bottom" nowrap="nowrap">% </td></tr> <tr> <td valign="top"> Total Annual Portfolio Operating Expenses</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.50</td> <td valign="bottom" nowrap="nowrap">% </td></tr></table> Example: This Example is intended to help you compare the cost of investing in the Portfolio with the cost of investing in other mutual funds. The Example assumes that you invest $10,000 in the Portfolio for the time periods indicated and then redeem all of your shares at the end of those periods. The Example also assumes that your investment has a 5% return each year and that the Portfolios operating expenses remain the same. Although your actual cost may be higher or lower, based on these assumptions, your costs would be:   <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr> <td width="95%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td></td></tr> <tr bgcolor="#cceeff"> <td valign="top"> 1 Year</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">51</td> <td valign="bottom" nowrap="nowrap">  </td></tr> <tr> <td valign="top"> 3 Years</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">160</td> <td valign="bottom" nowrap="nowrap">  </td></tr></table> <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr> <td width="95%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td></td></tr> <tr bgcolor="#cceeff"> <td valign="top"> 5 Years</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">280</td> <td valign="bottom" nowrap="nowrap">  </td></tr> <tr> <td valign="top"> 10 Years</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">628</td> <td valign="bottom" nowrap="nowrap">  </td></tr></table> Supplement to Prospectus HC Strategic Shares Dated November 1, 2012 HC Capital Trust The date of this Supplement is November 2, 2012 The U.S. Government Fixed Income Securities Portfolio:   <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%"> <tr> <td width="4%"> </td> <td valign="top" width="4%" align="left">1.</td> <td valign="top" align="left">Prior to December 4, 2012, the following replaces the Annual Operating Expenses section on page 57 of the Prospectus: </td></tr></table> Annual Operating Expenses (expenses that you pay each year as a percentage of the value of your investment)   <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr> <td width="96%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td></td></tr> <tr bgcolor="#cceeff"> <td valign="top"> Management Fees</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.17</td> <td valign="bottom" nowrap="nowrap">% </td></tr> <tr> <td valign="top"> Other Expenses</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.08</td> <td valign="bottom" nowrap="nowrap">% </td></tr> <tr bgcolor="#cceeff"> <td valign="top"> Total Annual Portfolio Operating Expenses</td> <td valign="bottom"> </td> <td valign="bottom"> </td> <td valign="bottom" align="right">0.25</td> <td valign="bottom" nowrap="nowrap">% </td></tr></table> Example: This Example is intended to help you compare the cost of investing in the HC Strategic Shares of the Portfolio with the cost of investing in other mutual funds. The Example assumes that you invest $10,000 in the Portfolio for the time periods indicated and then redeem all of your shares at the end of those periods. The Example also assumes that your investment has a 5% return each year and that the Portfolios operating expenses remain the same. Although your actual cost may be higher or lower, based on these assumptions, your costs would be:   <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr> <td width="95%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td></td></tr> <tr bgcolor="#cceeff"> <td valign="top"> 1 Year</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">26</td> <td valign="bottom" nowrap="nowrap">  </td></tr> <tr> <td valign="top"> 3 Years</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">80</td> <td valign="bottom" nowrap="nowrap">  </td></tr> <tr bgcolor="#cceeff"> <td valign="top"> 5 Years</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">141</td> <td valign="bottom" nowrap="nowrap">  </td></tr> <tr> <td valign="top"> 10 Years</td> <td valign="bottom"> </td> <td valign="bottom">$</td> <td valign="bottom" align="right">318</td> <td valign="bottom" nowrap="nowrap">  </td></tr></table> (based on asset allocations among Specialist Managers, see "Advisory Services - Specialist Managers")