Money Tree (Pachira aquatica)

Money Tree

Pachira aquatica

Its braided stems hold quiet prosperity, a symbol of good fortune. Evergreen woody shrub; common name: Money Tree.

Partial sun
1–2/week
Beginner
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Plant Needs

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Sunlight Bright indirect light; tolerates low light but exhibits slower growth; avoid direct midday summer sun
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Watering Water thoroughly when the top 2–3 cm of soil is dry; avoid overwatering to prevent root rot
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Temperature Thrives at 18–27°C; protect from drafts and temperatures below 10°C to avoid leaf drop
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Characteristics

  • Leaf: Palmate compound leaves with 5–9 glossy green leaflets radiating from a central point
  • Stem: Thick, succulent stems often braided for ornamental appeal
  • Flower: Large, fragrant white or cream flowers with long, ribbon-like petals (rare indoors)
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Care Guide

Watering

Keep soil slightly moist; allow top layer to dry between waterings

Fertilization

Diluted balanced liquid feed every 4 weeks. Cease fertilization during autumn and winter when growth slows

Banana peel compost tea:Compost banana peels for 2–3 weeks, steep in water for 24 hours, dilute 1:20 for root drench; avoid applying undiluted peels to prevent pest issues
Pruning
  • Remove yellowing or damaged leaves at the base to maintain plant health and appearance
  • Trim overgrown stems to control height and encourage bushier growth
  • Gently rebraid loose stems to preserve the ornamental braided form
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Toxicity

Warning: this plant may be toxic.

Pets & Humans

Pets: ASPCA: Non-toxic to cats

Humans: No known toxic effects on humans

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Garden Uses & Culture

Culture: Widely regarded as a symbol of financial prosperity and good luck in East Asian and Western ornamental culture

Usage: Indoor ornamental plant; outdoor shade tree in warm, frost-free regions