
Meet with PWL Capital: https://pages.pwlcapital.com/en-ca/contact-us?utm_source=content&utm_medium=youtube&utm_campaign=rationalreminder_yt Avoid Online Scams https://pwlcapital.com/stay-safe-online/ Ben Felix or any PWL employee will never reach out to you on social media platforms or WhatsApp to give financial advice. These are scammers trying to commit fraud. In this episode of Rational Reminder, Ben Felix, Cameron Passmore, and Ben Wilson return with a classic AMA format—answering listener questions that dig deep into the behavioral and evidence-based foundations of sensible investing. From lump-sum investing to the psychology of advice, the trio blend data, humor, and clear thinking to demystify complex financial ideas. They discuss the behavioral logic behind dollar-cost averaging, why mutual funds might actually be more tax-efficient than ETFs in Canada, and whether technology could ever truly replace human financial advisors. Plus, they share their biggest investing mistakes (yes, Bitcoin makes an appearance), dissect the rise of “buffered” ETFs, and explain why chasing complexity usually costs investors more than it helps. Timestamps: 0:00:00 Intro 0:06:48 Main Topic: AMA 10 0:07:03 Question 1: If someone has the financial flexibility to fully top up their accounts in January, what is your general take on moving money into the market as quickly as possible versus spacing out investments over a few weeks/months? 0:21:11 Question 2: What other outlets would you recommend for someone with a relatively small net worth looking for accountability, behavioral nudges, and data-driven reminders? 0:27:48 Question 3: Can you explain pros and cons of each (mutual funds vs ETFs) and why they (Dimensional) have maintained their product as a mutual fund? 0:43:36 Question 4: Are the prices of discount bonds skewed by their after-tax behaviour? 0:48:51 Question 5: What is the biggest investing mistake you ever made? 0:55:53 Question 6: Curious to hear your thoughts on buffered/structured strategies that have found their way into the ETF wrapper? 1:03:42 Question 7: Could you explain what updates would you consider at this point with, for example, the new DFA Vector ETFs, AVGV, etc? 1:07:32 Aftershow Links From Today’s Episode: Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder Website — https://rationalreminder.ca/ Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on X — https://x.com/RationalRemind Rational Reminder on TikTok — www.tiktok.com/@rationalreminder Rational Reminder on YouTube — https://www.youtube.com/channel/ Rational Reminder Email — info@rationalreminder.ca Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://pwlcapital.com/our-team/ Cameron on X — https://x.com/CameronPassmore Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/

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