Real Estate Versus Index Funds

[Meera]

With high costs and tiny rental yields in Tier-3 towns, is real estate even worth the headache? It feels so illiquid. I’m wondering if I should just stick to index funds and an SWP; they seem much more tax-efficient and a lot less work.

[Siddarth]

You're so right about that. In smaller Tier-3 towns, high prices and low rents make it tough to own property, especially when needing a quick sale. Index funds are easy to manage, tax-efficient, and require no maintenance. Investing in index funds is usually a smarter and less stressful way to grow your money, unless you find an excellent deal on a house.