Dear Manish,

I’m 38 years old and father of a son. I’m reading your books and felt so stupid for not investing money in right instruments. I’m not prodigal, but not even intelligent investor. My questions you are two:

1. Can I still start investing (I m 38, you know) and make a decent retirement (of course under your guidance)?

2. Please suggest some good term insurance plans for about 25 Lakhs.

Thanks in advance.