Mother's Day 2026
While the hard work, strength and dedication of mothers is celebrated on Mother's Day, experts say that their financial security is equally important. Whether a mother is planning for her child's education or wants regular income after retirement, proper financial planning and wise investments can be a big help in the long run. On the occasion of Mother's Day 2026, we spoke to two experts to know how the right portfolio and financial security can be created for mothers.
Which MF is better for mothers?
Preeti Rathi Gupta, founder of LXME, said that the most important thing is to start investing, even if the amount is small. According to him, flexicap and largecap funds can be good options for women who are investing for the first time. In these, the risk is slightly less and there is a possibility of getting good returns in the long run.
For big goals like children's education, he advised investing in equity mutual funds with a 10 to 15 year perspective. He said, if a mother starts early and starts a SIP of Rs 2,000 to Rs 5,000 every month, then with time a good fund can be prepared for the education of her children.
As one approaches retirement, he advised to gradually shift from equity to debt and hybrid funds, so that the impact of market fluctuations is reduced.
Pallav Aggarwal, Certified Financial Planner, Bhava Services LLP, said that aggressive hybrid funds can be a good option for first-time investors. These have less volatility than pure equity funds, but can yield good returns in the long run. He also suggested multi-asset allocation funds, which invest in different asset classes like equity, debt and gold.
Different strategies for working mothers and homemakers
Experts believe that the financial needs of working women and housewives are different, hence the method of investment should also be different. According to Preeti Rathi Gupta, working mothers with regular income can keep 60-70% of their portfolio in equities. The remaining 20-25% can be invested in debt and 5-10% in gold.
At the same time, a slightly safer portfolio is considered better for housewives. It has been advised for them to keep 50-60% equity and more in debt instruments. Pallav Aggarwal also gave almost the same opinion. According to him, working mothers can invest 65% in equity, 20% in debt and 15% in precious metals. Whereas homemakers can invest in assets like 50% equity, 30% debt and 20% gold.
How to maintain balance between household expenses and investments?
Experts said that whether a woman works or not, she must invest in her own name and play an active role in the financial decisions of the family. Preeti Rathi Gupta advised to adopt Pay Yourself First formula. He said, putting money in SIP every month should be the first priority before EMI, school fees or household expenses.
He advised creating separate SIPs and investment accounts for different goals, such as emergency funds, short-term needs and long-term wealth creation. Pallav Aggarwal suggested that about 50% of the income should go towards essential expenses, 20% towards lifestyle and 30% towards savings and investments.
He said, it is important to have a separate SIP for every financial goal. This maintains discipline in investment and the mistake of investing whatever is left is not made.
Why are emergency funds and insurance important?
Both experts said that it is very important to have an emergency fund and insurance before investing in mutual funds. Preeti Rathi Gupta said, mutual funds are a means of creating wealth, but emergency funds and insurance act as a security shield. He advised that an amount equal to at least 6 months' household expenses should be kept in a liquid fund or high interest savings account.
According to Pallav Agarwal, emergency fund should be equal to 6 to 12 months' expenses. Also, health insurance for the entire family and term insurance for the earning members is necessary. He also said that expensive items like car, jewellery, electronics should also be insured. Also, home insurance should be taken to protect the house and its contents from incidents like fire, theft or earthquake.
Experts say that this is the biggest mantra for successful investment. Starting early, investing regularly and not changing the portfolio frequently due to minor fluctuations in the market. With the right balance and discipline, mothers can create strong financial security for themselves and their families.
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