1. Real Full Grown Money Tree Care
  2. Full Grown Money Tree

Dec 14, 2018 Outdoors, the trees grow best in U.S. Department of Agriculture plant hardiness zones 10 and 11. Money trees thrive in both full sun and partial shade, according to the California Rare Fruit. Money tree plant goes by a host of names, including Malabar chestnut, saba nut, Bombax glabrum, monguba and French peanut. It’s said to bring good luck and is a popular plant for using with feng shui principles. From shiny, hand-shaped leaves to pretty braided trunks, the money tree is a can’t-miss indoor plant.

If you live by a creek that floods regularly or have a yard that drains poorly, growing plants and trees is challenging. The ground is soft and wet from standing water, and most root systems do not take well to growing in these conditions. However, some actually thrive in soggy soil and are the best trees for wet sites.

One of the main reasons a tree struggles to grow in these areas is because the roots cannot breathe. A yard with wet ground is not the easiest place for growing trees, but it’s not impossible.

Some trees have developed roots with the ability to grow with less air, allowing them to flourish in marshy areas where other trees die. These trees not only tolerate having wet feet but thrive and often grow in flooded areas.

That said, growing them in an arid climate is just as bad as trying to grow a drought tolerant tree in a flood zone, so it’s essential to understand tree requirements.

  1. Growing Trees that are Tolerant of Wet Soils

Growing Trees that are Tolerant of Wet Soils

A tree has a few basic needs to live, and providing them with the right amount of sunshine, water, and air to live is key to their survival.

A Japanese maple does not fare well at all with too much water, while a weeping willow is right at home. Knowing which trees love water is the first step to creating a beautiful landscape in wet sites.

Which Trees are Ideal for Wet Areas?

Many trees soak up a lot of water, and some are better at the job than others. Pin oak, dogwood, and sycamore tolerate poorly drained soil and are easy to grow.

River birch (Betula nigra), swamp Spanish oak (Quercus palustris), black tupelo (Nyssa sylvatica), and swamp white oak (Quercus bicolor) are also excellent choices for this environment.

Do Evergreens Tolerate Wet Soils?

Usually, a shade evergreen tree detests growing in soggy ground. However, a few varieties tolerate wet soil and are suitable for growing in these conditions.

The Atlantic white cedar, or false cypress, grows naturally in wet locations. Balsam fir, black spruce, and common arborvitae also handle growing in damp areas as long as it isn’t too wet.

Are there any Benefits to Growing Trees in a Wet Landscape?

These trees soak up excess water naturally through their root system. They often absorb so much water that the area around them dries, making it more habitable for other plants to grow.

Not only do you get a lush, green landscape, but the trees make it possible for you to grow a variety of other plants. Add a few wet soil ground covers to the area, too, for extra interest.

Where is a Good Place to Plant Water-Loving Trees?

These trees do well growing in a yard where water accumulates, such as low lying spots with poor drainage, and near a river, creek, or pond.

Think about planting other wet-tolerant plants nearby, such as the sweet pepperbush (Clethra alnifolia) and elderberry (Sambucus), to encourage more water absorption, as well as vines for poor wet soil.

Check the plant care guide for your tree to determine how much sunlight it needs and plant it accordingly. Avoid planting wet soil trees too close to underground pipes since their roots tend to seek out water, no matter the source.

Sycamore (Platanus occidentalis)

The American sycamore is a fast-growing deciduous tree with maple-shaped medium and dark green foliage.

The leaves are 4 to 10 inches wide and turn yellowish-brown in the fall. This tree has a rounded crown and a massive trunk with horizontal and crooked branches.

This sun-lover is easy to grow in consistently moist soil and thrives in zones 4 through 9. These trees that grow tall are known for their gray bark that flakes off to reveal cream-colored inner bark. Their mature size is 70 to 100 feet tall and wide.

Swamp Cottonwood (Populus heterophylla) – Tall Trees for Wet Sites

These hardwoods are native to America’s eastern and southeastern areas and a member of the birch family. Swamp cottonwoods have a single trunk that grows 3 feet across with pale gray bark that darkens as it ages.

The dark green leaves of this tree have light shades underneath. This type of cottonwood is happy growing in wet conditions and is hardy in zones 2 through 9. These deciduous trees can reach 50 to 100 feet tall with leaves 4 to 6 inches long.

Bald Cypress (Taxodium distichum)

These tall conifers are a common sight in areas such as Florida. They have flared trunk bases with an upright pyramidal form. Their delicate foliage of sage green leaves turns orange before shedding each winter and are replaced in the spring.

Bald cypress trees require full sun and enjoy growing in poorly drained soil. They are virtually disease and pest free and hardy in zones 5 through 11. These wet-tolerant trees have a mature size of 50 to 70 feet tall and 20 to 30 feet wide.

Sweetbay Magnolia (Magnolia virginiana) – Wet-Tolerant Tree with Fragrant Flowers

This magnolia tree has handsome foliage, smooth gray bark, and exotic fruiting cones that are pinkish and burst open to reveal seeds. It produces showy, cup-shaped flowers of creamy white with a lemony scent.

This slender tree is slow-growing and has no serious insect or disease problems. It prefers consistently moist, well-drained soil and full to part sun. Sweetbay magnolias are hardy in zones 4 through 10 and grow up to 60 feet tall in the south and up to 35 feet tall in the north.

Real Full Grown Money Tree Care

Water Tupelo (Nyssa aquatica)

The water tupelo is an aquatic tree with an open crown of large, shiny leaves and a straight trunk with a swollen base. It is deciduous and starts very symmetrical with a pyramidal shape, but ages to an irregular form.

This tree is flood-tolerant and grows in USDA hardiness zones 6 through 9. Water tupelos have large, dark green leaves that turn yellow in the autumn. They have a trunk diameter of around 4 feet and grow to up to 100 feet tall.

Black Chokeberry (Aronia melanocarpa) – Small Tree with Multi-Season Interest

Black chokecherry is a small, spreading, deciduous tree that also grows as a shrub. It has striking, purple-red foliage and black berries with multi-season interest. Spring reveals a profusion of fragrant, white-pink flowers, and the tree attracts pollinators and birds.

This tree grows easily in medium moist soil and enjoys part shade or full sun. These chokeberry trees only grow up to 6 feet tall with an equal spread and are hardy in zones 3 through 8.

Green Ash (Fraxinus pennsylvanica)

This tree has a straight trunk and dense crown of medium green leaves containing five to nine leaflets. The foliage turns rich golden-yellow in the fall, and the tree matures from a pyramidal to a rounded shape.

Green ash is a fast-growing shade tree with a mature height of 50 to 70 feet tall and a 35 to 50-foot spread. It grows well in hardiness zones 3 through 9, is deer resistant, and needs full sun.

Weeping Willow (Salix babylonica) – Water-Loving Tree with Graceful Arching Stems

Weeping willows are medium to large deciduous trees with a stout trunk and open crown of gracefully arching stems. The narrow, finely toothed green leaves yellow before shedding in the fall.

These trees thrive in moist soil and grow happily along a pond or stream. Weeping willows are hardy in zones 6 through 8 and grow 30 to 50 feet tall and wide. They perform best in full sun, are simple to grow, and are deer resistant.

Sweet Gum (Liquidambar styraciflua)

This sun-loving tree is native to eastern North America. Its straight trunk and broad, conical crown look stunning adorned with the star-shaped dark green foliage that turns orange and crimson during the fall.

Sweetgum trees tolerate medium-moist soil and are hardy in zones 5 through 9. They are deciduous and grow to 60 to 80 feet tall with a crown spread of 40 to 60 feet. They are low maintenance and deer and rabbit resistant.

Hornbeam (Carpinus) – Small Shade Tree for Wet Areas

Hornbeams are a small deciduous tree that is an excellent choice for shading the yard. There are many different types, and all of them have attractive gray bark and heavily veined, bright green leaves that turn rust-colored in the fall.

These trees prefer part to full sun and grow no more than 30 feet tall, with a wide, spreading canopy of up to 20 feet. Hornbeam trees grow in hardiness zone 3 through 9.

Winterberry (Ilex verticillata)

This tree goes by many names, including Michigan holly and black alder. It is a slow-growing deciduous tree with a rounded habit, grows green-white flowers in the spring, and a profusion of cherry-red berries from fall through winter.

Winterberry trees are generally disease and pest free and hardy in zones 3 through 9. They prefer moist but well-drained soil and g 6 to 10 feet tall and wide.


Red Maple (Acer rubrum) – Handsome Tree with Captivating Fall Color

Red maples are loved for their captivating fall color as their dark green leaves turn to a dazzling yellow and red during the fall. They have smooth gray bark that furrows with age and a handsome shaped crown.

These trees are suited for part shade or full sun and grow in hardiness zones 3 through 9. Red maples grow 40 to 70 feet tall with a crown of up to 50 feet wide. They are low maintenance and grow effortlessly in medium to wet soil.

Common Alder (Alnus)

This easy to grow tree has lustrous green bark that browns with age and an upright growth habit in a pyramidal shape. Its dark green leaves turn bright yellow in autumn, and it produces cone-like brown fruits throughout the fall and winter.

Common alders have a rapid growth rate and are content growing in wet soil. They reach 50 feet in height and are best grown in USDA hardiness zones 3 through 7. These trees are low maintenance and perform well in both full sun and part shade.

Full Grown Money Tree

White Cedar (Thuja occidentalis) – Evergreen Tree for Boggy Areas

This evergreen tree has fan-like branches of scaly leaves and grows with single or multi-trunks. It produces light brown, oblong cones and is a great tree for growing as a windbreak in boggy areas with its upright triangular shape.

White cedars are hardy in zones 2 through 7 and have a medium growth rate of one to two feet per year. While this tree prefers a wet environment, it does tolerate drought conditions occasionally.

Thinking that all trees are created equal is a common mistake. Some trees prefer dry areas, while others like getting their feet wet and forcing them to grow in the wrong conditions lead to problems.

The best tip for growing trees in saturated soils is to learn which ones are hardy and wet-tolerant.

Growing trees for wet sites is not as difficult as you think, as long as you plant the right trees, so why not share our water-loving tree guide with your friends and family on Facebook and Pinterest?

General Information:

Native to Central and South America, Money Trees are an excellent plant for both indoor and outdoor growth. This plant can range from a few inches in height to over seven feet tall. It originated in Japan and consists of several trunks wound together with green leaves sprouting from the top. A story associated with the money tree is about a man whose prayers for money were answered because of this unique plant. When he took the plant to his home, the man discovered he could grow several more from the seeds and became rich from selling the plants. It is from this story that the plant was given its nickname: the 'money tree'.

Braided Money Trees are usually given as a gift; they are reputed to bring good luck and prosperity. Generally, the more leaves the Money Tree has, the better! While it is common to find money trees with five to six leaves on each stem, it is quite rare to find one with seven leaves. Like a four-leaf clover, a Money Tree with a seven-leaf stem is considered to bring incredibly good fortune to its owner.

Money Trees are also very popular plants with Feng shui practitioners who believe that the braided bonsai creates positive energy for any room that it placed in. According to this belief, you will want to place your money tree in the 'financial' part of your home or office. Each new leaf of the tree will then bring added financial blessing and success. Easy to grow and beautiful to behold, this bonsai is happy wherever you are.

A Braided Money Tree is a lovely and rare plant that can make an outstanding addition to any room in your home. This tree is composed of several trunks that wind around each other, it can reach heights anywhere from a foot tall or more. The bonsai version is around a foot tall, while the fuller sized trees can tower up to seven feet tall.

The jade green leaves of the Money Tree grow in tufts of five in a pattern often compared with the human hand. These five leaves are said to symbolize the five elements of balance in creation: metal, wood, water, fire and earth. With its shiny green foliage and blooms on tall green trunks, it has become a popular indoor plant but is also cultivated for its edible nuts. The Money Tree, also known as Pachira aquatica, is a miniature tree characterized by multiple intertwining trunks. Each tree is actually four to five separate trees with their trunks braided together.

Taking care of any type of bonsai plant requires time and planning. By incorporating some simple tips, your Braided Money Tree will thrive for years. Growing one from a seedling requires expert knowledge, and will take years to grow to its maximum potential.


With any bonsai plant, watering is crucial. Most bonsai like to have plenty of water, but proper water drainage is key. This is maintained by two very important factors: soil and the pot.

The soil should contain a mixture of earth and small gravel pebbles which lie in the pot with one or more drain holes. These holes need to be covered with mesh, to allow the water to flow freely but retain the soil. You can also add some river rock to the mixture, to create porous areas in the soil which aid in draining. Some bonsai even grow well in a mix of peat, vermiculite and perlite. Our Bonsai All Purpose Blend provides the perfect amount of airiness and nutrition for your Money Tree.

The Braided Money Tree prefers much less water than other plants - once a week is sufficient. Some do well on as little as a cup of water per month, but the amount varies with the pot size and soil composition. Misting the plant is also another recommendation. It helps the plant leaves get extra moisture and keeps them free of dust. Our handy Haws Mistercan be pressurized with just a few quick strokes for continuous spraying for your Money Tree.

The soil in the pot should be allowed to dry completely out before another watering. There are several ways to realize if the amount of water is adequate. If the plant’s leaves become droopy and yellow this is a sign of too much water. When the leaves are wrinkly and curled up, this means you are not watering it enough.


Place in an area of moderate sunlight. These plants can survive with varying degrees of sunlight, but do best with a few hours of sunlight and a few hours of shade. If your plant experiences too much full sunlight, the leaves may begin to burn. If weather permits, your Money Tree will enjoy being placed in a sunny to partial-shade exposure outdoors daily. In very warm climates or during the heat of summer, light shade is a better option to prevent leaf burn. Avoid direct sunlight for prolonged periods of time as this will cause the leaves to burn and turn slightly yellow. For indoor plants, provide bright indirect light and turn the plant regularly toward the light source to keep it growing straight and leafing evenly. In darker areas, leaves grow smaller but Money Trees can survive for a long time in very poor light.

Being a native of a wet, hot region, the plant will not fare well when temperatures drop. If you keep the plant outside on the porch, you need to remember to bring it inside when the temperatures drop below 50 degrees.


It is unnecessary to give the tree fertilizer often, specifically in the bonsai plant size and style. Fertilizing once in the Spring and once in the Fall with Time Released Bonsai Fertilizer is sufficient. Try our organic Seaweed Fertilizer for fantastic results. Trimming the dead leaves and providing plenty of fresh air, will allow your Braided Money Tree to live for many years.

Pruning / Training:

Prune the leaves to encourage growth. If you want new leaves to sprout, or have a wilting plant, prune off the browning leaves. Leaves can be trimmed at any time of the year, and you will notice that they grow back quickly. This Bonsai is usually presented in a braided or knotted form which is achieved when the stalks are young and supple. The money tree can be pruned by cutting off the stem, and new growth will appear at the cut over time. With careful maintenance, you can direct the growth of your plant in a style that is most pleasing to you. See our Tinyroots Bonsai Shears for precision and the ultimate in lifetime bonsai tools.

Insects / Pests:

Money Trees are very hardy and are not susceptible to bugs in general, however, if whitefly or aphids invade, combat them with a solution of dish soap and warm water. Spray the leaves until the solution runs off and then rinse the leaves with clean water. Repeat as needed. Be sure to resist over watering as this is a major source of Money tree death due to root rot.


Propagation is best had from cuttings/side shoots and seeds. Often you will notice new shoots coming out of the trunks. You can simply place these shoots in moist, not wet, soil and they will grow well.


You can Re-pot your Money Tree every two-three years during the spring season, or if you notice that your plant seems overly thirsty. Be sure to prune the roots gently and provide a quality soil cut with river sand to ensure proper drainage. When you are ready to re-pot be sure to check out our amazing selection of beautiful bonsai pots.

Additional Comments:

Money Trees are very hardy plants. Any problems are likely due to over watering or too much full sunlight. If you are a bonsai beginner, this braided bonsai will be ideal for you. (And the added luck and prosperity never hurt anyone!)

DISCLAIMER: The content provided in this article is not warranted or guaranteed by Bonsai Outlet. The content provided is intended for entertainment and/or educational purposes in order to introduce to the reader key ideas, concepts, and/or product reviews. We are not liable for any negative consequences that may result from implementing any information covered in our articles or tutorials. Happy bonsai gardening.