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The Money Tree Doesn’t Age Gracefully

Braided money tree: Pachira glabra or P. aquatica

You’ve certainly seen the money tree around. With its scheffleralike leaves and its usually braided-stems, this houseplant really stands out from the crowd.

The money tree got its name from its five leaflets. Five is an auspicious number in Chinese tradition, associated with wealth. According to feng shui superstitions, bringing a five-leaved plant into the home will ensure financial prosperity (who knew it could be so easy!). Of course, it sometimes produces six or seven leaflets, sometimes even nine, but that’s all right too: they’re also lucky numbers.

Money tree nursery in Taiwan.

To enhance the money tree’s luckiness, it is most often sold braided with five interlaced stems. Never four (four means death). If one stem of a five-stemmed plant dies, superstitious owners will quickly make the plant disappear.

Millions of braided money trees have been exported from Taiwan since the 1980s, where growing and producing them remains a major industry.

What Is It?

Pachira aquatica flower in Costa Rica. P. glabra would have had white stamens. You aren’t likely to see flowers in your home.

There are actually two different species sold as money tree, both from the Malvaceae family and native to Central and South America. Pachira aquatica usually gets the credit, but it’s not nearly as widely grown as P. glabra. Both are very similar and hard to tell apart when young, but P. glabra has a more distinctly bulbous base. The feather-duster like white flowers of P. aquatica have red-tipped stamens and its large swollen fruits are a velvety mahogany brown while the otherwise similar flowers of P. glabra are entirely white while the fruits are green and smooth. Both contain edible nuts, leading to a second common name, Malabar chestnut.

Neither is likely to ever bloom indoors, but they flower readily enough when planted outdoors in tropical climates. When they do, you’ll discover the large and very attractive flowers open at night and drop off the following morning.

My own Pachira glabra. After years of pruning, it finally has a second branch!

Both are tall forest trees in nature. This shows in their growth habit: they are very reluctant to branch when young. Even if you chop the head off a money tree, it usually produces only one replacement stem, only rarely two. As a result, potted money trees take on a distinctly ungainly look as they age. At least braided trees, each with their own set of leaves, will look fuller for a longer time.

For appearance’s sake, it’s probably best to cut them back annually in late winter. Yep, off with their heads! Don’t worry, they’ll regrow quickly. Close-up, this will lead to a lot of pruning scars and frankly, the money tree is not a plant that ages gracefully. Still, with a little luck new foliage will partly hide the scars, so they won’t be too noticeable from a distance,


If you keep chopping your tree’s head off, you can keep it this size practically for ever! Photo: DC, Wikimedia Commons

The money tree is a surprisingly tough houseplant.

Although in nature adult trees grow with their upper branches exposed to full tropical sun, young trees germinate in deep shade and retain that tolerance when grown indoors. They thrive along rivers and lakes with their roots practically soaking in water, as the name P. aquatica suggests, yet are very drought tolerant. Nor do they seem to mind if their roots are horrendously crowded in a small pot. (You’ll often see money trees grown as bonsais.)

As a result, you can put money trees in full sun or well back from the window, water them regularly or let their soil dry out completely, and either neglect them or baby them and they’ll probably survive. Normal indoors temperatures are fine. They tolerate dry air, but will look lusher under humid conditions. They don’t seem to react at all to fertilizer, but logically you’d still apply a bit in the spring and summer.

Put them outside for the summer in full sun if possible (that will be the only way you could ever expect them to bloom, for example), but do acclimatize them gradually, as the leaves will burn if suddenly exposed to intense sun. Bring them in when night temperatures start to drop below 50? F (10? C).

Don’t panic when some of the old leaves turn yellow and start to drop off, usually in late winter or early spring. This is part of their growth cycle and new leaves will appear shortly, if not at the same time. Don’t expect much growth at other seasons, at least, not unless you cut it back: whatever this plant does, it will normally do it in spring.

Carry out any repotting in early spring as well. If you want their stems to swell to the bulbous shape they are capable of, they’ll need much more space than in the crowded pot in which they are usually sold.

If you want to continue to braid the stems, do so while they are young and pliable, using twist ties to hold the braids together until they solidify. The Taiwanese use yellow-, gold- or red-colored twist ties, apparently luckier than green ones.

Your plant grew from seed, but seeds are rarely available from mail order sources simply because they are so short-lived, but you can multiply your money tree from cuttings if you want.

Ugly But Alive

The bulbous base of my P. glabra.

I have a 7-foot (2-meter) P. glabra with a single trunk, swollen at the base like a cantaloupe, that I’ve grown indoors for nearly 20 years. It’s not very pretty (all those pruning scars!), but I have managed to get it to branch, a bit, by cutting off every stem that tries to grow taller. It would certainly never win a beauty contest and I think I only keep because it clings so stubbornly to life. That is something, in my book, that ought to be rewarded.20170327E

Garden writer and blogger, author of 65 gardening books, lecturer and communicator, the Laidback Gardener, Larry Hodgson, passed away in October 2022. Known for his great generosity, his thoroughness and his sense of humor, he reached several generations of amateur and professional gardeners over his 40-year career. Thanks to his son, Mathieu Hodgson, and a team of contributors, will continue its mission of demystifying gardening and making it more accessible to all.

14 comments on “The Money Tree Doesn’t Age Gracefully

  1. I have one, I suppose it’s a money tree? Have been trying to determine what kind of plant it is, since husband brought it home. It is in a small pot, but lots of leaves branching off in different directions. But only one big fat trunk? It LOVES humidity and hot temperatures.

  2. I have a 20 year old money tree that is 16 feet tall and produces at least 5 to 6 flowers per year it is anything but ugly

    • Evan Williamson

      Hey, any tips for growing one long term? I’ve had mine around 9 months.

  3. Dear,

    I hope you are well. I have a braided Pachira which i have had for 10 years. It is about 1.5m high and recently went into a bad state of shedding and recently lost all of its leaves. I can see new stems of leaves growing but unfortunately starting baron colors. Appreciate any feedback.

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  8. Thanks so much for the pruning tip! Mine was only growing straight up after 3 years. I chopped it’s ‘head’ off this last winter, now it has two branches – I’m so pleased! Can’t wait to see it finally branch out. Thanks again!

  9. I have a money tree that is about 25-26 years old. I inherited it from my mother when she passed in 1998. Recently, it is starting to lose a lot of leaves although I haven’t changed its position or care other than giving it a quarter turn once a week. It’s most recent repotting was approximately 9 months ago.

    I am concerned that it is dying of old age. What is the life expectancy of a indoors only money tree in a northern climate? Should I propagate it in order to save this heirloom tree? I don’t want to let my mother down.

    • There is no specific life expectancy for this plant. Like many other indoor trees, it can live for decades… as you’ve seen for yourself. Since it has recently been repotted, the problem is probably not due to mineral salt buildup. I can only suspect that it’s having a bad winter: maybe days have been extra cloudy or the air drier than usual. If so, you’ll probably see new growth soon. When you do (but not until then), you could start fertilizing to support the new growth. Best of luck!

  10. Cristi Melser

    We have a money tree that came from Southern California in January to Northern Arizona. It set outside and looked like it died. It had a long trunk with 2 branches coming out. This late spring early summer we noticed a growth on the base of the plant. Can the upper branches be cut back to the base just above the foilage?

    • Certainly. The tree will try to regrow. However, I don’t think it’s going to be warm enough in Northern Arizona for you to leave it outside all winter.

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