Money Tree Propagation – How To Propagate Pachira Trees

Indoor Potted Pachira Tree
money tree
(Image credit: ahirao_photo)

Money tree plants (Pachira aquatica) do not come with any guarantees about future wealth, but they are popular, nonetheless. These broadleaf evergreens are native to the swamps of Central and South America and can only be cultivated outdoors in very warm climates. One way to get more money trees is by learning to propagate these Pachira plants.

Propagating money trees isn’t difficult if you follow a few guidelines. If you are interested in learning about money tree propagation, read on.

About Money Tree Reproduction

Money trees get their catchy nickname from a feng shui belief that the tree is lucky as well as a legend that cultivating the plant brings great fortune. The young trees have flexible trunks that are often braided together to “lock in” the financial luck.

While those living in USDA plant hardiness zones 10 and 11 can plant these trees in the back yard and watch them shoot up to 60 feet (18 m.) tall, the rest of us use them as indoor houseplants. They are quite easy to maintain, and it is also fairly easy to propagate Pachira plants. 

If you have one money tree, you can easily get more for free by learning about money tree propagation. Once you understand how to propagate a money tree, there is no limit to the number of trees you can grow.

In the wild, money tree reproduction is like that of most plants, a matter of fertilized flowers producing fruit that contain seeds. This is quite a spectacular show since the blooms are 14 inch long (35 cm.) flower buds that open as cream-colored petals with a 4 inch (10 cm.) long, red-tipped stamen.

The blooms release fragrance at night then develops into huge oval seed pods like coconuts, containing tightly packed nuts. They are edible when they are roasted, but those that are planted produce new trees.

How to Propagate a Money Tree

Planting a seed is not the easiest way to start propagating money trees, especially if the money tree in question is a houseplant. It is fairly rare for a container money tree to produce flowers, let alone fruit. How to propagate a money tree then? The easiest way to accomplish money tree propagation is through cuttings.

Take a 6 inch (15 cm.) branch cutting with several leaf nodes and snip off the leaves on the lower third of the cutting, then dip the cut end in rooting hormone.

Prepare a small pot of soilless medium like coarse sand, then push the cut end of the cutting into it until the lower third of it is below the surface.

Water the soil and cover the cutting with a plastic bag to hold in humidity. Keep the cutting medium moist.

It may take six to eight weeks before the cutting roots and another few months before the small money tree can be transplanted into a larger container.

Teo Spengler

Teo Spengler has been gardening for 30 years. She is a docent at the San Francisco Botanical Garden. Her passion is trees, 250 of which she has planted on her land in France.