How to Grow a Money Tree From a Cutting

The Pachira aquatica, commonly known as the Money Tree, is a tropical plant prized for its distinctive braided trunk and lush, palmate foliage. It is a favored houseplant, often associated with good fortune and prosperity in Feng Shui traditions. Propagating this plant from stem cuttings is a straightforward and rewarding method to expand your collection or to share with others. This guide will walk you through the steps required to successfully clone your mature Money Tree into a healthy new plant.

Selecting and Preparing the Stem Cutting

Select a healthy, robust segment of the parent plant. Look for a relatively new stem exhibiting green growth, avoiding the older, woody bark. A healthy cutting should be approximately four to six inches in length and include at least two to three nodes, which are the slightly swollen points where leaves emerge from the stem.

Using clean, sterilized pruning shears, make a precise cut just below one of these nodes, as this area has the highest concentration of root-forming cells. After cutting, remove all the lower leaves on the bottom one-third of the stem to prevent them from rotting once submerged. This removal directs the plant’s energy toward root development instead of maintaining existing foliage. The freshly cut end can be dipped into a powdered or gel rooting hormone to stimulate root formation.

Initiating Root Growth

Once the cutting is prepared, there are two methods for initiating root growth. The first method is water rooting, which involves placing the cutting in a clear container of fresh water, ensuring at least one node remains fully submerged. Roots typically begin to emerge after four to eight weeks, allowing visual monitoring. To prevent the water from becoming stagnant and harboring bacteria that can cause stem rot, change the water every few days.

Alternatively, root the cutting directly into a well-draining soil mix. Create a suitable sterile medium by blending standard potting soil with materials like perlite or peat moss for proper aeration and drainage. After inserting the cutting into the pre-moistened mix, loosely cover the pot with a clear plastic bag or dome to create high humidity. This miniature greenhouse effect reduces moisture loss, allowing the cutting to focus resources on generating new roots.

Transplanting the Rooted Cutting

Transfer the cutting into a permanent pot once the new root system reaches one to two inches in length. Avoid roots that are too short (unable to draw moisture) or overly long (prone to tangling and damage). When moving a water-rooted cutting, handle the fragile new roots gently, avoiding pulling or bending.

A small, four-inch diameter nursery pot is the ideal initial size, as larger containers increase the risk of root rot by holding excess moisture. Fill the pot with a standard, high-quality houseplant potting mix that prioritizes excellent drainage. After setting the rooted cutting in the center and filling around the roots with soil, water the pot thoroughly until water drains from the bottom holes. This initial soaking settles the soil around the new roots, eliminating air pockets.

Long-Term Care for the New Plantlet

A newly transplanted plantlet requires a stable environment to transition to active growth. Place the potted cutting in a location that receives bright, indirect light (e.g., near an east or west-facing window). Direct, intense sunlight can quickly scorch the young leaves and stress the still-developing root system.

Manage watering carefully to ensure the soil remains moist but never saturated, which causes failure in young plants. Allow the top one to two inches of the potting mix to dry out completely before watering again. Increased humidity benefits young Money Trees, maintained by placing the pot on a pebble tray or using a room humidifier. Refrain from applying fertilizer for the first two to three months to allow the plant to establish itself. Afterward, begin using a balanced, diluted liquid houseplant fertilizer.