Captain401： 希望帮助企业更简单地创建 401K 计划
周四，从创业孵化器 Y Combinator 毕业的 Captain401 正式上线，这是一项帮助小型企业创建 401K 计划（译注：一种由雇员、雇主共同缴费建立起来的完全基金式的养老保险制度）的服务。Captain401 的目标是让管理 401K 计划像运营公司其他业务一样简单，而且像 Zenefits 或 Zenpayroll 一样更加聚焦于数字技术。
该公司首席执行官罗杰·李（Roger Lee）说，Captain401 寻求创建一套流程，避免投资那些收取高额手续费和跑不赢市场的基金。他表示，Captain401 的投资服务是自动化的，能够帮助员工做出更好的投资决策，并且对最佳选择拥有更深入的认识。
“像 ADP 和 John Hancock 那些老牌公司，它们要求大量的文书工作、缓慢的信件邮寄、各种文件填报和签名。”李说，“一些公司，比如富达投资集团（Fidelity），根本不跟小型企业合作。我们认为，我们可以在那方面做得更好，我们的解决方案是网络和无纸化。企业只需要 10 分钟就能创建自己的计划，我们让持续管理实现了自动化。对员工来说，他们免除了搞清楚自己该怎么做的麻烦。”
尽早创建 401K 计划是很重要的，这有几方面的原因，如果说哪个最重要，那就是展示雇主关心自己员工的未来。李此前曾运营一家创业公司，他的员工问起了 401K 计划的事情。李想创建一套，但整个过程缓慢而又过时。举例来说，那些提供此项计划的机构仍然需要大量的文书工作，需要签名、邮寄和传真文件。
“它看起来是一个麻烦，花的时间很长，我们认为，我们可以利用更加现代化的技术做得更好。”李说，“多年来，我个人帮助过 100 多名亲朋好友检查他们的 401K 计划，并协助他们进行投资。我意识到，他们 401K 计划的投资分配都不够理想。他们不知道该如何选择自己的投资对象，我们希望在 401K 领域引入 Wealthfront 那样的在线理财平台。”
与此同时，Captain401 的另一位联合创始人保罗·萨瓦亚（Paul Sawaya）是来自 Mozilla 基金会的一名软件开发者。该公司创建了一套 401K 计划，但整个流程很难管理，员工也没有被教授最佳的投资方式。“我只登进过系统一次，当时我还是那里的员工。”萨瓦亚说道。两人通过一个共同的好友——Clever 的泰勒·博斯米尼（Tyler Bosmeny）——结识，他们最终谈到了 401K 计划，他们觉得自己可以提供一种更好的体验。
Captain401 的 401K 计划跟数十个先锋指数基金进行了对接，李表示，此举将能带来高于其他基金的业绩表现。“那是人们喜欢的沃伦·巴菲特（Warren Buffet）式做法，经济学家认为，这是员工的最佳选择，能够取得最多的投资回报。”
Captain401 毕业于今夏的 Y Combinator 培训班，有趣的是，Y Combinator 自己将成为该公司的客户。
“员工能够在自己的养老金计划中得到更好的投资选择，并能够就个人情况制定合适的投资策略，如果我们能够朝着那样的世界迈进，那么比之单打独斗的做法，效果能够好得多，而且能够为员工提供更多的帮助。”李说，“显然，这里面还有大量的工作要做。”
YC-Backed Captain401 Wants To Make Creating A 401k Easier For Businesses
Captain401, a service that helps small businesses set up a 401k, is launching out of Y Combinator today. The goal of Captain401 is to make managing 401ks as simple as other services are for other functions within companies — and in a more digitally focused manner like Zenefits or Zenpayroll.
Captain401 seeks to create a process that avoids funds that have higher fees and fail to beat the market, CEO Roger Lee said. The investing service is automated, helping employees make better decisions about their investments and become more educated about the best choices, he said.
“Incumbents like ADP, John Hancock, they require tons of paperwork, snail mailing, filling out and signing,” he said. “Some companies like Fidelity don’t work with small businesses. We think we can do a lot better there, our solution is online and paperless. “It takes companies 10 minutes to set up their plan, we automate the ongoing administration. For the employees it’s that education and investment experience where the existing 401k companies leave employees to figure out what to do on their own.”
401ks are important to set up early for a number of reasons, if only is to show that employers care about the future of their employees. Lee had previously run a startup where his employees were asking about a 401k. Lee wanted to set one up, but the whole process was slow and outdated. Institutions, for example, still required stacks of paperwork that required signatures and had to be mailed and faxed in.
“It seemed like a hassle, it took way longer, and we thought we could do a lot better with more modern tech,” he said. “I personally over the years helped more than a 100 friends and family look at their 401ks and help with their investments, and realized without fail that each was sub-optimally allocated. They didn’t know how to choose their investments. We wanted to bring a Wealthfront into the 401k space.”
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Meanwhile, his co-founder Paul Sawaya was a software developer at Mozilla. That company had a 401k instituted, but the whole process was difficult to manage and employees weren’t given education on how to best invest, he said. “I only logged in once when I was an employee there,” he said. The two met through a mutual friend — Tyler Bosmeny at Clever — and eventually came to the topic of 401ks, which they decided they could offer a better experience.
The 401k is tied to dozens of Vanguard index funds, which Lee says ultimately leads to higher performance than other funds. “That’s the approach that people like Warren Buffet, economists [consider], it’s the best approach for employees and get to the most returns.”
Captain401 came out of this year’s summer Y Combinator class. Interestingly enough, Y Combinator will be a customer of Captain401.
“Any step closer to a world where employees can get better investment options in their plan and they can diversify and get a suitable investment strategy that makes sense for them and their personal situation, that can just be so much better and help them so much more than the go it alone approach,” Lee said. “Obviously there’s a lot of work to do here.”
来源：techcrunch
HackerRank近日获得七百五十万美元投资[caption id="attachment_8176" align="alignnone" width="720"] Tech Hiring Matchmaker HackerRank Draws $7.5M From Global HR Firm[/caption]
HackerRank近日获得七百五十万美元投资
程序员招聘竞赛平台HackerRank近日宣布从日本人力资源巨头Recruit获得七百五十万美元投资。HackerRank让应聘者在线完成真实项目的编程挑战，从而来为企业筛选出能力优秀、符合招聘需求的技术人员。HackerRank的联合创始人兼首席执行官Vivek Ravisankar表示, Recruit成为股东将有助于HackerRank扩展在亚太地区的业务。Recruit可以成为HackerRank在亚太地区企业和应聘者的入口。
去年11月有报道国内有一家Hackerrank 的平台：
HackerRank模式的中国尝试者：oxcoder让程序猿在线完成项目挑战来帮企业做招聘笔试
http://www.hrtechchina.com/archives/4383
原文来自：
http://www.xconomy.com/san-francisco/2015/07/14/tech-hiring-matchmaker-hackerrank-draws-7-5m-from-global-hr-firm/
HackerRank, which hosts online competitions that help programmers flaunt their skills to potential employers like Amazon and Quora, said today it has landed a $7.5 million investment from the funding arm of Japan-based human resources giant Recruit.
The new alliance with Recruit will help Palo Alto, CA-based HackerRank scale up its business in the Asia Pacific region, CEO and co-founder Vivek Ravisankar says. Recruit could be HackerRank’s gateway to both employers and job candidates in that part of the world, he says.
HackerRank counts as customers more than a thousand employers such as Walmart, Bloomberg, and Morgan Stanley, which pay for access to programmers who score high in HackerRank’s online coding challenges, Ravisankar says. All have made at least one hire facilitated by HackerRank, he says. Recruit itself is not a client—yet.
“I think we’ll get them soon,” Ravisankar (pictured above) says.
Ravisankar and his co-founder Harishankaran Karunanidhi, who started the company in 2012, want to change the way tech workers and employers find each other. Under traditional staff search processes, tech applicants send their resumes into the “black hole” of company hiring departments, while recruiters spend hours sifting through resumes to find good prospects, Ravisankar says. Employers may then spend weeks doing interviews to try to gauge the applicants’ actual technical abilities.
HackerRank’s competitions are designed to speed up that process, and open opportunities to people regardless of their gender, race, location, or the prestige of their university degrees. Hackers can log in to the site to improve their skills, compete in challenges, and gain rankings across a range of specific areas such as algorithms, machine learning, and streamlining code. For employers looking to hire skilled new tech team members, it’s kind of like consulting a Moneyball analysis of programmers, Ravisankar says.
“They’re getting to talk to high-quality candidates from the start,” Ravisankar says. HackerRank has screened more than a million developers over the last couple of years, he says. More than 150,000 active programmers used the site over the past month.
In addition to the chance of getting a job offer, hackers can win cash prizes or tech toys such as GoPro cameras, drones, and laptops by performing well in the contests.
HackerRank has built a reputation as “the go-to community for tech talent analysis,” HR Technology Fund president Chihiro Ueda said in a statement about the Recruit fund’s investment in the startup. “As the demand for technology talent continues to outstrip supply, HackerRank offers an efficient way for HR professionals to evaluate talent beyond traditional means.’’
The Recruit fund’s investment brings HackerRank’s total fundraising to $17 million. The company’s earlier financial backing came from Y Combinator, Khosla Ventures, and Battery Ventures, among other investors. Ravisankar says HackerRank’s competitors include companies such as San Francisco-based recruiting software company Gild. Gild compiles profiles of working professionals from dozens of sites, and helps employers find those who best match their needs.
HackerRank’s clients include small to medium-sized businesses as well as larger enterprises, Ravisankar says. The company charges fees of $5,000 to $10,000 a year, per user, depending on the extra features clients want to add. These include CodePair, a skills-testing tool employers can use during the interview process. HackerRank also enables companies to set up their own hacker challenges on their websites’ career landing pages.
Ravisankar says he expects HackerRank’s revenues to reach “the double-digits of millions of dollars” in the next three to four months. The company may double its current staff size of 120 within a year, he says.
HackerRank is one of a growing number of online forums where programmers can demonstrate their computer science skills, outside the academic credentialing system of degrees from accredited colleges and universities. For example, Utah-based online learning company Pluralsight offers skills tests through its divisionSmarterer, and hackers can showcase their work on tech projects throughGitHub.
HackerRank is also making inroads into the academic system. Professors at 74 colleges are using HackerRank’s challenge infrastructure at no charge to set programming tasks for their students, rather than posting the assignments via e-mail, downloading each student’s work, and computing the rankings themselves. Once the classroom service becomes better known, HackerRank will market it as a product to colleges and universities, Ravisankar says.
But HackerRank will remain an avenue of opportunity for people who have never earned a degree, says Ravisankar. The company’s core mission is to create a meritocratic route to tech employment, he says. Fees will never be charged to hackers entering one of the company’s coding contests, he says.
“They will never pay,” Ravisankar says. “It will always be free forever.”
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