Mother's Day 2026: Top 8 ways to build a safe investment portfolio for your mother's future

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.

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.

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.

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.