Mother's Day 2025: 5 Financial Gifts You Can Give To Your Mom For A Secure Future

As Mother's Day approaches, many people consider meaningful gifts to their mothers. However, traditional gifts remain a common choice while some may opt for gifts that provide long-term value and contribute to their mother's financial security. Choosing something that will benefit her over the longer term could give her peace of mind or financial stability as a way to express her gratitude to her and to secure her wellbeing in the future. Here are some innovative financial gifts you can consider giving your mother this Mother's Day.

Fixed Deposits are typically chosen for safety and guaranteed return. It may help build up savings that compound over time with an FD in your mother's name. Periodical interest payments that help her achieve smaller goals can enhance either her feelings of safety or financial confidence.

Vishal Dhawan, CEO and founder, Plan Ahead Wealth Advisor, and a Sebi-registered advisor, says, "In a low-inflation, higher-interest-rate environment, fixed deposits can offer stability and predictability. Laddering your investments across various tenures helps avoid reinvestment risk while ensuring access to funds at different intervals."

Savings plans such as the National Pension System (NPS) or the Public Provident Fund (PPF) can assist moms in establishing a solid financial foundation, particularly for homemakers who do not have formal retirement savings.

Vishal recommends NPS as a thoughtful financial gift. He explains, "NPS offers low-cost, transparent options with the 'Auto Choice' feature, making it easy for those without financial expertise. It allows up to 60 per cent withdrawal at age 60, with the rest used for an annuity. Premature withdrawals are also permitted in cases like illness."

Health insurance coverage helps you pay for medical expenses in an emergency. Providing health insurance to your mother could allow her to receive quality care without having to pay extra. It could also give the family peace of mind by knowing that any future medical expenses or treatments are covered by a reliable health insurance program.

Madhupam Krishna, SEBI-registered investment advisor (RIA) and chief planner, WealthWisher Financial Planner and Advisors advises, "If your mother doesn't already have coverage, look for a comprehensive plan that addresses pre-existing conditions, hospitalization, and post-care. If she already has a medical cover, consider gifting her a top-up cover."

An emergency fund, set aside in your mother's name, can be used during unplanned situations like medical bills or urgent repairs. It is frequently stored in liquid form so that she may easily get it when necessary.

Madhupam says, "A good rule of thumb is to set aside 3 to 6 months' worth of essential living expenses, including rent, utilities, groceries, medical costs, insurance premiums, and transportation. This amount may vary based on family income stability, existing debts, and health conditions."

A Systematic Investment Plan (SIP) in mutual funds allows users to invest small amounts on a regular basis. Starting a SIP for your mother may help her accumulate wealth gradually over time. It's a way to get her involved in long-term financial planning, and she might find it enjoyable to see how consistent contributions build over time.

Madhupam says, "Investing a small amount in mutual funds can help secure your mother's golden years by providing better long-term returns. By starting an SIP, you're building a financial safety net for your mother's future, giving her ownership and control over her investment, which fosters financial literacy and independence."

To ensure your mother's financial well-being, Vishal advises that understanding your mother's economic goals, risk tolerance, and preferences is critical. It's also important to choose investments that meet her demands, ensure adequate health coverage, and avoid complex financial products.