As Mother’s Day 2026 approaches, financial experts are encouraging investors to rethink gifting—not in material terms, but through long-term financial security. In a special discussion on Zee Business, financial planners highlighted how investment strategies can reflect a mother’s core qualities: protection, discipline, patience, and care.
Prableen Bajpai, Founder of FinFix, and Pooja Bhinde, Certified Financial Planner, explained how a well-structured portfolio can mirror a mother’s role in safeguarding a family through all circumstances.
Investors can gift a well-structured “mother-like” portfolio to their mothers this Mother’s Day, helping ensure their financial security. Here are the top 8 ways to build a safe investment portfolio:
1) Start with strong health insurance coverage
According to CFP Pooja Bhinde, health protection is the foundation of financial safety. She recommends a minimum health insurance cover of around Rs 25 lakh, with additional top-ups if required. Family history-based critical illness covers, such as for cancer or cardiac conditions, can also strengthen protection.
2) Build a reliable emergency fund
Bhinde emphasised the importance of a contingency fund for unexpected events like job loss or medical emergencies. This fund ensures financial stability during crises and prevents investors from liquidating long-term investments.
3) Invest systematically in equity through SIPs
For long-term wealth creation, Bhinde suggested diversified equity mutual funds such as flexi-cap, multi-cap, or index funds through Systematic Investment Plans (SIPs). She recommended a minimum investment horizon of five years to ride out market volatility.
4) Add stability with debt instruments
Debt instruments such as fixed deposits and debt mutual funds provide balance and stability to a portfolio. These instruments help preserve capital and act as a cushion during market fluctuations.
5) Include gold as a strategic asset
Gold continues to remain a traditional yet important asset class. Bhinde highlighted modern options such as gold ETFs and Electronic Gold Receipts (EGR), which are SEBI-regulated and eliminate storage and purity concerns while offering physical redemption options.
6) Maintain balanced asset allocation
Prableen Bajpai stressed that a strong portfolio must include a balanced mix of equities, debt, gold, and real estate. This diversification ensures resilience against market uncertainty—similar to a mother who manages multiple responsibilities simultaneously.
7) Don’t ignore insurance protection
Life insurance and other protective covers act as financial shields. Bajpai explained that just as a mother protects her family from crises, insurance ensures that financial goals remain unaffected during unforeseen events.
8) Build behavioural discipline and patience
Both experts agreed that the most important aspect of investing is behaviour. Bajpai noted that qualities like discipline, consistency, and delayed gratification—often seen in mothers—are essential for successful investing. Avoiding emotional reactions during market volatility is key to long-term success.
Key takeaways for investors
The discussion concluded with a simple but powerful idea: a “mother-like portfolio” is not just about returns, but about resilience. It is built to protect in crises, grow steadily over time, and stay stable through uncertainty.
As Bhinde summarised, “A well-diversified portfolio with protection, growth, and stability reflects the same care and foresight that a mother brings into a family’s life.”
This Mother’s Day, experts suggest that the best gift may not be something bought—but something built: a secure financial future.
