Founder & Chief Investment Strategist
Mirelith Norcroft is the visionary Founder and Chief Investment Strategist of Ontp Invest, setting the intellectual foundation for the firm's client-centric approach. With over two decades of success navigating diverse global markets, she is personally responsible for developing and overseeing the execution of Ontp Invest's proprietary, evidence-based investment strategies. Mirelith excels at synthesizing complex market trends and analysis into clear, actionable mandates. Her leadership ensures that the firm consistently delivers elite expert analysis alongside accessible, highly practical financial planning resources, all aimed at achieving robust, sustainable wealth generation for every client.
The Case for Emergency Planning in 2026 Economic stability isn’t what it used to be. Gig work is everywhere, full time jobs carry more uncertainty, and markets swing hard without warning. One quarter you’re cruising, the next you’re facing layoffs, tighter budgets, or contract cancellations. This is the new baseline it’s not about panic, it’s […]
Why an Emergency Financial Plan Matters and How to Make One Read More »
What Tax Loss Harvesting Actually Means Tax loss harvesting is a strategic method used by investors to minimize taxable capital gains by selling investments that have lost value. This strategy is especially useful during periods of market volatility like what we’re seeing in 2026. The Basics At its core, tax loss harvesting involves: Selling underperforming
Tax-Loss Harvesting: A Smart Move to Minimize Capital Gains Read More »
Start with Simple, Strong Habits Before you start dreaming about investing or building wealth, lock down the basics. The first step in money management is knowing exactly where your money goes. Track every dollar incoming and outgoing. Don’t rely on memory. Use a spreadsheet if you’re old school, or lean on budgeting apps like Mint,
Money Management Tips for Young Professionals Read More »
What Is the 50/30/20 Budget Rule? The 50/30/20 budget rule is straightforward: it’s about dividing your after tax income into three simple buckets that reflect real life priorities. It doesn’t rely on spreadsheets with a thousand rows or force you to memorize finance jargon. Instead, it gives you a basic structure that works whether you
The 50/30/20 Budget Rule: How It Can Simplify Your Finances Read More »
Why You Need an Emergency Fund in 2026 The economy isn’t calming down. Inflation still bites at groceries, rent, and energy bills. Jobs aren’t as stable as they used to be especially in freelance heavy or tech driven fields. Healthcare costs? Still climbing. It’s a world where one surprise bill can throw off everything. That’s
How to Build an Emergency Fund: Steps & Savings Goals Read More »
What’s Driving Growth in 2026 As we head into the next financial quarter, several macroeconomic forces are shaping global investment strategies. From shifts in labor and resource distribution to the lasting effects of the pandemic, understanding these dynamics is key to identifying high potential opportunities in emerging markets. Global Macroeconomic Trends Several critical trends are
Emerging Markets to Watch in the Next Financial Quarter Read More »
The Basics: What Sets Active and Passive Investing Apart Let’s keep it simple. Active investing is hands on. You’ve got someone maybe a fund manager, maybe yourself trying to pick the right stocks and time the market just right. The goal? Beat the market average. That means making moves based on research, trends, gut instinct,
Comparing Active vs. Passive Investing: Which One Should You Choose? Read More »
Focus on Dividend Aristocrats When long term reliability matters more than flashy growth, Dividend Aristocrats are a solid place to start. These are companies that have increased their dividends every year for at least 25 consecutive years. That kind of consistency doesn’t happen by accident. These businesses have survived recessions, rate hikes, tech revolutions you
Top 7 Dividend Investing Strategies for Long-Term Growth Read More »
Why Diversification Still Matters This Year 2026 isn’t shaping up to be a smooth ride. Markets are jittery tech is swinging between boom and bust cycles, inflation won’t sit still, and geopolitics is constantly rewriting the rules. From unexpected elections to sudden shifts in energy policy, volatility is more or less the new norm. That’s
How to Diversify Your Investment Portfolio in 2026 Read More »
Starting with the Big Picture Top financial advisors don’t start with stocks they start with the economy. Before they even crack open a company earnings report, they’re scanning the big indicators: GDP growth, inflation, unemployment, and consumer confidence. These data points act like a weather report for the market. If inflation’s heating up, or job
How Financial Advisors Evaluate the Market: Inside Their Strategy Read More »
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