

The Rational Reminder Podcast
Benjamin Felix, Cameron Passmore, and Dan Bortolotti
A weekly reality check on sensible investing and financial decision-making, from three Canadians. Hosted by Benjamin Felix, Cameron Passmore, and Dan Bortolotti, Portfolio Managers at PWL Capital.
Episodes
Mentioned books

37 snips
Aug 21, 2025 • 56min
Episode 371: Banks Sell Products, Not Advice
Connor and Taylor Hewson, co-owners of TCM Financial Studio, bring their expertise in client-focused financial planning to the forefront. They discuss the recent study revealing that Canadian banks prioritize product sales over genuine advice. The Hewsons emphasize the importance of relationship-building, ethics, and higher educational standards in financial advising. They also reflect on their journey towards providing evidence-based advice and the impact of community initiatives, like the Blossom Investor Tour, aimed at empowering DIY investors.

84 snips
Aug 14, 2025 • 1h 32min
Episode 370: Dave Chilton (The Wealthy Barber): Timeless Financial Advice
Dave Chilton, author of The Wealthy Barber and former star of Dragon's Den, shares his timeless financial wisdom shaped by years of simplifying personal finance for Canadians. He discusses the importance of understanding human behavior in financial decisions rather than just focusing on investments. Chilton dives into the hidden costs of homeownership, the debate between debt repayment and investing, and the significance of emotional responses in investing. Expect humor and relatable advice as he reflects on his journey and the evolution of financial literacy.

288 snips
Aug 7, 2025 • 1h 14min
Episode 369: The Most Important Quotes in Investing
Celebrate the 7th anniversary with a dive into timeless investing wisdom. Discover impactful quotes that encapsulate key financial insights, such as the importance of saving early and the dangers of behavioral biases. The hosts discuss how psychological resilience and personal planning trump market predictions. Learn strategies to tackle investment fears and the benefits of passive investing. They emphasize the balance between confidence and humility, urging a focus on controllable investment factors. Tune in for a masterclass on applying these principles to your financial journey!

36 snips
Jul 31, 2025 • 1h 13min
Episode 368: Jim Rowley & Andy Maack - Implementing Index Funds at Vanguard
Join Jim Rowley, Vanguard's Global Head of Investment Implementation Research, and Andy Maack, Head of US Equity Portfolio Management, as they dissect the complexities of index funds. They reveal that these funds aren't as passive as they seem, discussing real-time trading decisions and active strategies that enhance returns. The duo explores risk management during secondary offerings, challenges the traditional active versus passive labels, and shares insights on how thoughtful execution adds real investor value. Get ready to rethink what you know about indexing!

34 snips
Jul 24, 2025 • 1h 7min
Episode 367: AMA #8 + Insurance Needs Analysis with Louai Bibi
Louai Bibi, a financial planner at PWL Capital, shares his wisdom on RRSP decumulation strategies and personalized insurance planning. He challenges the notion that early RRSP withdrawals are always tax-smart, emphasizing the need for tailored approaches based on client goals. Louai also delves into the intricacies of life, disability, and critical illness insurance, explaining why the right coverage isn't one-size-fits-all and how even the smallest policies can make a significant impact.

Jul 17, 2025 • 53min
Episode 366 - Avoiding Investment Scams
Scammers are hijacking trusted identities to exploit investors. The hosts reveal the tricks behind sophisticated scams, from fake WhatsApp groups to AI-generated voice clones. They share personal experiences infiltrating fraudulent trading schemes and discuss the psychology that allows these scams to thrive. Listeners learn essential red flags to watch for, emphasizing the importance of skepticism against enticing offers. The conversation highlights current regulatory innovations aimed at protecting vulnerable investors from financial fraud.

95 snips
Jul 10, 2025 • 58min
Episode 365 – Rob Carrick's Eight Lessons Learned in 27 Years of Covering Personal Finance
Rob Carrick, a seasoned personal finance journalist from The Globe and Mail, shares his hard-earned insights from 27 years in the industry. He discusses the evolution of financial advice, emphasizing the shift from mutual funds to ETFs and a DIY mentality. Rob highlights the unique challenges faced by young Canadians today and questions how inflation is reshaping economic realities. He candidly critiques the financial sector's support for seniors and reflects on the emotional pressures of investing in today’s world. His timeless advice offers valuable lessons for all generations.

80 snips
Jul 3, 2025 • 1h 1min
Episode 364 – Martijn Cremers: Is the Conventional Wisdom on Active Management Wrong?
Martijn Cremers, Dean at Notre Dame's Mendoza College of Business and co-author of Active Share, dives into the debate around active versus passive investment management. He challenges traditional views, suggesting that recent research casts doubts on the superiority of passive strategies. Martijn highlights the importance of high active share in less efficient markets, emphasizes the role of patience in investment strategies, and critiques closet indexing. His insights push listeners to rethink active management's potential and its true performance metrics.

95 snips
Jun 26, 2025 • 49min
Episode 363 - The (Underappreciated) Risk of Individual Stocks
Discover the hidden risks of holding concentrated stock portfolios. The conversation dives into why diversification is crucial, revealing that individual stock returns are often disappointing. The hosts address psychological biases that lead investors to make risky choices and highlight the strong case for indexing in the current market. Plus, hear about the growing trend in advisor adoption of index investing and the playful debates sparked in their community. It's an insightful reflection on the reality of stock picking versus safer, systematic investment strategies.

56 snips
Jun 19, 2025 • 1h 12min
Episode 362 – AMA #7
In this engaging session, the hosts tackle the tough realities of sticking to investment portfolios. They critically analyze the 4% rule alongside the implications of fixed versus variable retirement withdrawals. Behavioral challenges during market downturns are discussed, highlighting the need for discipline. Listeners learn about the pitfalls of bank-sold structured products and the skepticism surrounding trend-following strategies. The conversation beautifully intertwines financial planning with life fulfillment, making for a thoughtful exploration of investing.