No one can be judged in absolute term whether he is poor or rich, it is always relative to someone. Investment is advisable for all but amount of investment depends upon fund, surplus with you.

What do you mean by Laxmi Aagwan ? If your net worth is more than last year then laxmi has come. Monitor every year on auspicious day of Diwali and also set goal for next Diwali, you can observe growth in Net Worth year on year basis.

Death is certain but death time is not certain. We are money making machines for our family same so need to manage the risk if we are no more available for our family.

Buying an Insurance Pension policy is not Retirement planning, it is just part of it, you need to find out whether the accumulated amount is sufficient for your lifetime expenses or not .

Growing Life expectancy and reducing employment years in India may force you to survive without earning.

While analysing any mutual fund scheme to invest , do not follow only return of the scheme . Need to analyse many more to get better return in future.