How to be rational in cash holding?
What if one day my kid kena kidnapped and was asked 10m il from the kidnapper. Or my brother owe people 300k and asked me to help. How to know how much cash need to keep go play safe?

Yeah this is the emergency fund I think too. If need to consider about kidnap, brother borrow loan shark etc, then I think billion also cannot cover all the risk.
Since there are lucky people can win millions over one night through jackpot. There must be also some unluckiest people who need to dig out millions cash over one night for emergency. But the probability is negligible

So I know you keep in milo tin already ... remember hide it well hehe

For me, SA is easy to use, no need spend time to study or monitoring, no need to be affected by emotion, just choose your risk appetite and set monthly auto debit and see the return once a year will do.
How many can actually manually dca in UT or stock without affected by emotion continuous for long time eg 10 years 20 years? How many can study and research stock continuously in 10-20 years? Not many can do
Good for people who don’t have time to study or research but want to invest in equity for long term

I think quite a lot of people (Including me) are “3 minute hot” aka no patience...So SA is a good investment tool to help continue in long run, Important is normally relax and no bother only can stay and do continuously... saw some people initially very hyper active in investment but after few months become no interest to continue or no desire to DCA...

same too. for me i trust SAMY will do better job so I keep on DCA and keep SAMY as portion of my investment allocation. no need to worry about anything as long as the investment time horizon long enough
if like to play manual can allocate portion of money go direct buy US stock more shiok and more worth to spend time on for the higher potential return...