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Mother's Day 2026: Top 8 ways to build a safe investment portfolio for your mother's future
In a special discussion on Zee Business, 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.
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Mother's Day 2026: Investors can gift a well-structured “mother-like” portfolio to their mothers this Mother’s Day for securing their financial future |Image source: ChatGPT generated|
Written By: Shristi Rani
Updated: Fri, May 08, 2026
11:27 PM IST
11:27 PM IST
New Delhi, ZeeBiz WebDesk
With Mother’s Day in 2026 approaching, the financial advisors have suggested that people should not only focus on giving gifts but also invest in securing the future of their dear ones. During an exclusive discussion on Zee Business, financial experts gave valuable inputs regarding how investments could be made in the manner that represents qualities of mothers.
Prableen Bajpai, Founder of FinFix, and Pooja Bhinde, Certified Financial Planner, demonstrated how well portfolio construction serves as a protective element, just like mothers, to safeguard their families through various situations.
When is Mother's Day 2026?
Mother's Day is a day observed annually on the second Sunday of May in the USA, India, Canada, Australia, and several other countries. This year, Mother's Day is being celebrated on Sunday, May 10.
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This Mother's Day, you can gift your mother a well-thought-out "mother-like" portfolio to secure her financially. These are the top 8 tips for creating a secure investment portfolio:
1) Start with adequate health insurance coverage
As per Pooja Bhinde, CFP, the very first thing which one needs to have to achieve financial security is good health insurance cover. According to her, the basic health insurance coverage required should be at least Rs 25 lakh. Along with that, some top-up plans would also be needed. The family medical history-based critical illness covers are also important to consider.
2) Build a reliable emergency fund
According to Bhinde, there is a need for investors to set aside an emergency fund that will be available when investors face unforeseen financial emergencies like as job loss or medical emergencies. The fund provides monetary support during emergencies while helping investors maintain their long-term investment security.
3) Invest in equity systematically via SIPs
For long-term wealth building, Bhinde recommended investors use SIPs for their investments in flexi-cap, multi-cap, and index funds through diversified equity mutual funds. The suggested investment period required a minimum commitment of five years to successfully navigate market fluctuations.
4) Add stability with debt instruments
You need to maintain stability through your investment in debt instruments which include fixed deposits and debt mutual funds. The instruments protect capital while providing protection against market volatility.
Also Read: Is inflation eating into your returns? Experts share key portfolio strategy changes
5) Include gold as a strategic asset
The importance of gold as an asset class cannot be overlooked. Bhinde suggested that in today's time, one can invest in gold in different forms, like gold ETF and electronic gold receipt (EGR), regulated by SEBI. The products eliminate both storage and purity issues while providing users with options to redeem physical items.
6) Maintain balanced asset allocation
Prableen Bajpai stressed that a strong portfolio must include a balanced mix of equities, debt, gold, and real estate. The need for multiple responsibilities to be handled simultaneously, just like a mother, creates a need for market uncertainty protection through this method of diversification.
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.
Also Read: REIT vs Physical Real Estate: Understanding key differences and why it matters for your money
8) Build behavioural discipline and patience
Both experts agreed that the most important aspect of investing is behaviour. Bajpai explained that successful investing requires three essential qualities which people commonly associate with mothers; they are discipline, consistency, and delayed gratification. Investors must maintain emotional control during market fluctuations to achieve sustained success throughout their investment journey.
Key takeaways for investors
The discussion concluded with a simple but powerful idea: a “mother-like portfolio” is not all about performance; it is more about resilience. It is designed for crisis protection, consistent growth, and stability through uncertainty.
As put by Bhinde, “A properly diversified portfolio with the elements of protection, growth, and stability mirrors the qualities of a mother.”
For Mother’s Day, these highlights recommend a different type of gift—not one that comes from a store, but rather one that is built, such as a safe financial future.
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Shristi Rani
Shristi Rani
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