Why Kashmir's Government Employees Hold A Hidden Investing Edge

For many Kashmiri government employees, the thought of putting money into stocks, mutual funds, or other financial products is followed by a worry: what will people say, what will the taxman think, and is it even worth the risk?

These doubts are born out of a culture where saving has long been favored over investing. The fixed deposit in a bank still feels safer than the stock market.

Yet there is an irony here.

A government salary is one of the cleanest forms of income in India. Each rupee that enters the account has already been taxed. This makes it what financial advisors like to call“super white money”.

In simple terms, it is money beyond suspicion. That gives government employees in Kashmir a unique advantage. They can invest without fear of being questioned about the source of their earnings.

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