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.

I understand that T-bills are backed by the government and currently offer slightly higher returns than fixed deposits (FDs). However, do their shorter terms and lack of regular interest payments make them less suitable for investors who want steady income?

When it comes to fixed deposits, do private banks provide better online services? Or is it easier to get help at a public bank? I've heard that some banks offer really good interest rates on fixed deposits. I'm just wondering if I should choose a public bank or a private bank.

FDs provide 6–7% annual interest rates, and T-bills currently offer 6.9% for 364-day tenors. i know T-bills are government-backed, so are they a better choice for temporary investments than FDs?