asset allocation
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C1 noun ˈæ.sɛt ˌæl.əˈkeɪ.ʃən

asset allocation

Meaning
An investment strategy that aims to balance risk and reward by apportioning a portfolio's assets according to an individual's goals, risk tolerance, and investment horizon.
Example
Proper asset allocation is key to financial growth.
C1 adjective /ˈɪnfəməs/

infamous

Meaning
well known for some bad quality or deed
Example
The dictator was infamous for his cruelty.
A2 noun /əˈbɪləti/

Ability

Meaning
the power or skill to do something; capacity
Example
She has the ability to solve complex problems.
A2 noun /ˈtɜːrtl/

turtle

Meaning
A slow-moving reptile with a hard shell that lives in water or on land
Example
The turtle slowly crossed the sandy beach.
B2 noun /ˈbɛriəl/

burial

Meaning
the act of placing a dead body into the ground.
Example
The burial ceremony took place in the afternoon.
C1 adjective /ˌmaɪ.krəˈskɑː.pɪk/

microscopic

Meaning
Extremely small and only visible with a microscope.
Example
The sample contained microscopic particles.
B2 noun ˈbaɪ.əʊˌfjuː.əl

biofuel

Meaning
A fuel derived immediately from living matter, as opposed to fossil fuels derived from long-dead biological matter.
Example
Biofuels reduce dependence on conventional energy sources.
C2 noun /ɪˈmɛtɪk/

emetic

Meaning
a substance that causes vomiting
Example
The doctor administered an emetic to remove the poison.
C2 noun /ˈbrɪɡ.ənd/

brigand

Meaning
A member of a gang that ambushes and robs people in forests or mountains; a bandit.
Example
The travelers were attacked by brigands in the mountains.
B1 noun /ˈsɜr.fɪs/

Surface

Meaning
the outside part or uppermost layer of something
Example
The submarine emerged to the surface of the ocean.
B2 noun /ˈkɔːtruːm/

courtroom

Meaning
a room in which legal cases are heard and decided by a judge
Example
The witness was called to testify in the courtroom.
C2 noun /ˈspɛndˌθrɪft/

spendthrift

Meaning
A person who spends money extravagantly or wastefully.
Example
The young prince was known as a spendthrift, wasting his fortune on lavish parties.
A2 adjective /ˈrɪtən/

written

Meaning
expressed in writing rather than spoken; composed or recorded in written form
Example
The agreement must be in written form to be valid.
B2 noun /ˈæktɪvɪst/

activist

Meaning
A person who works to bring about social or political change.
Example
The activist organized a protest against pollution.
C1 verb /priːˈɛmpt/

preempt

Meaning
To take action in order to prevent something from happening; to take the place of something.
Example
The government acted quickly to preempt a financial crisis.
C2 noun /ˈtɒnʃər/

tonsure

Meaning
the practice of shaving or cutting the hair on the scalp, especially in a religious context
Example
The monk received his tonsure as part of his religious initiation.
B1 adjective ɪˈməʊʃənl

emotional

Meaning
Having feelings that are easily excited and openly displayed.
Example
Visiting the burial site made him emotional.
C2 verb /ˈɡɑːɡəl/

goggle

Meaning
to stare with wide open eyes, often in surprise or wonder
Example
The tourists goggled at the tall skyscrapers.
C1 adjective ɪɡˈzɛmpləri

exemplary

Meaning
Serving as a desirable model; representing the best of its kind.
Example
She was praised for her exemplary work ethic and dedication.
B2 noun ˈsəʊ.ʃəl ˈdʒʌs.tɪs

social justice

Meaning
Justice in terms of the distribution of wealth, opportunities, and privileges within a society.
Example
Social justice ensures equality of opportunity.
A2 noun /ˈɛər.laɪn/

airline

Meaning
A company that provides regular flights for passengers and goods.
Example
The airline announced a discount on international tickets.
C2 noun /pruːd/

prude

Meaning
A person who is easily shocked by matters relating to sex or nudity; someone overly modest.
Example
He was called a prude for blushing at the movie scenes.
C2 noun /ˈhɑːtʃ.pɑːtʃ/

Hotchpotch

Meaning
a confused mixture; a jumbled assortment of things
Example
The room was a hotchpotch of old furniture, books, and random decorations.
B2 verb ɪˈrɛktɪŋ

erecting

Meaning
To build; construct; set up in a vertical position.
Example
The workers were erecting a new building downtown.
B2 adjective /ˌɪnkənˈsɪstənt/

inconsistent

Meaning
Not staying the same throughout; lacking harmony or regularity.
Example
His answers were inconsistent and confusing.
B2 adjective /ˈplen.tɪ.fəl/

Plentiful

Meaning
abundant; existing in large quantity
Example
The harvest was plentiful this year due to good weather.
C1 adjective /əbˈstrʌk.tɪv/

Obstructive

Meaning
deliberately creating difficulties or preventing progress; hindering or blocking something
Example
The obstructive policies hindered economic growth.
B1 noun /ˌdes.tɪˈneɪ.ʃən/

Destination

Meaning
the place to which someone or something is going; the ultimate purpose or end point
Example
Paris was their dream destination for their honeymoon trip.
B1 noun /wiːt/

wheat

Meaning
a cereal plant whose grain is used to make flour for bread and other foods
Example
Farmers harvested the wheat in early summer.
B2 noun /ˌledʒɪsˈleɪʃən/

legislation

Meaning
laws considered collectively, or the act of making laws
Example
The government passed new legislation to protect the environment.
C1 noun /ˈtrɪviə/

trivia

Meaning
Details or information that are considered unimportant or of little value.
Example
The quiz was filled with fun trivia about movies and music.
B2 verb /kənˈsiːl/

conceal

Meaning
to hide something or keep it secret
Example
He tried to conceal his disappointment behind a smile.
B2 adjective /ˈɔː.rəl/

Oral

Meaning
spoken rather than written; relating to the mouth
Example
The oral examination will test your speaking skills.
B2 noun (plural) /skræps/

scraps

Meaning
Small pieces left over from something; also small fights or quarrels.
Example
The dog ate the scraps from the table.
C1 adjective /ˈkjuːmjələtɪv/

cumulative

Meaning
Increasing gradually by addition; growing in quantity, force, or effect.
Example
The cumulative effect of stress can harm your health.
C1 verb /əbˈzɒlv/

absolve

Meaning
to free someone from blame, guilt, or responsibility; to pardon
Example
The priest absolved him of his sins.
C2 adjective /əˈfɔːrsed/

Aforesaid

Meaning
mentioned before; previously stated
Example
The aforesaid conditions must be met before approval.
C2 adjective /ˈsʌmp.tʃuˌɛr.i/

sumptuary

Meaning
Relating to laws or regulations intended to limit personal spending on luxury goods.
Example
In medieval Europe, sumptuary laws restricted the wearing of expensive fabrics to the nobility.
C2 noun /əˈnæθəmə/

anathema

Meaning
something or someone intensely disliked or strongly condemned
Example
Violence is anathema to her peaceful nature.
B2 noun /ˈfɔːrmjələ/

formula

Meaning
a fixed method for doing something; a mathematical or chemical rule expressed in symbols
Example
The scientist discovered a new formula for the medicine.
A2 noun /ˈdrʌɡˌstɔːr/

drugstore

Meaning
A retail store that sells medicines, health-related products, and sometimes cosmetics or snacks.
Example
I stopped by the drugstore to buy some cold medicine.
B1 adjective /ˈteknɪkəl/

Technical

Meaning
relating to or involving special skills or knowledge; requiring specialized training
Example
The manual contains technical instructions for operating the machine.
B2 noun /ɡriːn ˈtʃɪl.i/

Green Chili

Meaning
unripe chili pepper that is green in color and has a spicy taste
Example
She added chopped green chili to the salad for extra heat.
C2 verb /bɪˈtaɪd/

betide

Meaning
to happen or occur, usually of something that befalls someone
Example
Woe betide anyone who breaks the rules.
C1 adjective /aɪˈreɪt/

irate

Meaning
Extremely angry.
Example
The customer became irate after waiting for hours.
C2 noun /ˈdʒaɪər/

gyre

Meaning
A circular or spiral motion or form, especially a giant circular oceanic surface current.
Example
The Great Pacific Garbage Patch is trapped in a gyre.
C1 verb /ɪnˈtæŋɡəl/

entangle

Meaning
to become twisted together or caught in something; to involve in difficulties
Example
The fish got entangled in the net.
B2 adjective /ˈɡreɪs.fəl/

Graceful

Meaning
elegant; smooth; refined; having beauty of movement or manner
Example
The dancer moved with graceful elegance.
C1 verb /səbˈdjuː/

subdue

Meaning
To bring under control, especially by force; to overcome or quiet.
Example
The army was able to subdue the rebellion quickly.
A2 noun /veɪˈkeɪ.ʃən/

Vacation

Meaning
a period of time when someone does not go to work or school but is free to do what they want, such as travel or relax
Example
I'm planning a vacation to the beach next summer.
C1 noun /zest/

Zest

Meaning
great enthusiasm and energy; excitement and vigor; the outer peel of a citrus fruit
Example
She approached the new job with tremendous zest.
B2 noun /ˈkɑː.bən ˈfʊt.prɪnt/

carbon footprint

Meaning
The amount of carbon dioxide and other carbon compounds emitted due to the consumption of fossil fuels by a particular person, group, etc.
Example
Reducing carbon footprint is essential for combating climate change.
B2 adverb /ˌfɜːrðərˈmɔːr/

furthermore

Meaning
Used to introduce an additional point or idea; in addition.
Example
The plan is simple and, furthermore, it is affordable.
A1 noun /iːst/

east

Meaning
The direction from which the sun rises; one of the four cardinal points.
Example
The sun rises in the east.
C2 noun /ˈkæʒuɪstri/

casuistry

Meaning
The use of clever but false reasoning, especially in relation to moral questions.
Example
The lawyer’s argument was dismissed as mere casuistry.
C2 verb /loʊp/

lope

Meaning
to run or move with a long, bounding stride
Example
The horse loped gracefully across the field.
C2 noun /ˌklɛptəˈmeɪniæk/

kleptomaniac

Meaning
A person with an irresistible urge to steal, typically without need or profit.
Example
The kleptomaniac was caught shoplifting again.
C1 adjective /ˈfræɡməntɪd/

fragmented

Meaning
Having been broken into fragments; disjointed or incomplete.
Example
The information was fragmented and difficult to understand.
C2 noun /maɪˈæzmə/

miasma

Meaning
An unpleasant or unhealthy smell or atmosphere.
Example
A miasma of decay hung over the abandoned house.
A2 adjective /ˈsɪmələr/

Similar

Meaning
alike; having characteristics in common
Example
The two sisters have similar interests in music.
B1 noun /stoʊv/

Stove

Meaning
a kitchen appliance used for cooking food by applying heat
Example
She cooked dinner on the gas stove.
C1 adjective ɪˌɡæl.ɪˈteə.ri.ən

egalitarian

Meaning
Believing in or based on the principle that all people are equal and deserve equal rights and opportunities.
Example
The new law promotes an egalitarian society.
A2 noun /ˈneɪbər/

neighbor

Meaning
a person living next door or nearby
Example
My neighbor lent me some sugar when I ran out.
B1 noun /ˈmɛθ.əd/

Method

Meaning
A particular way of doing something, especially a systematic or established procedure
Example
She developed a new method for solving mathematical problems.
B1 noun /brif/

Brief

Meaning
a concise statement of the facts; a set of instructions given to a person about a job or task
Example
The lawyer received a detailed brief about the upcoming court case.
B2 verb /prɪˈsiːdɪd/

preceded

Meaning
came before something in time, order, or position
Example
Dark clouds preceded the heavy rainfall.
B2 verb /ɪnˈdʌldʒ/

indulge

Meaning
to allow oneself to enjoy something enjoyable, often excessively
Example
He indulged in a piece of chocolate cake after dinner.
B2 noun /ˈɪnvənˌtɔːri/

inventory

Meaning
A complete list of items, such as goods in stock or property.
Example
The shopkeeper checked the inventory before opening the store.
C2 verb /ˈɑːskjʊleɪt/

osculate

Meaning
To kiss.
Example
They osculated under the mistletoe during the party.
B2 adjective /ˈɒnɡəʊɪŋ/

ongoing

Meaning
continuing; still in progress
Example
The ongoing project will finish next month.
B2 noun /ˈsɛm.iˌsɜːr.kəl/

semicircle

Meaning
Half of a circle or something shaped like half of a circle.
Example
The students sat in a semicircle around the teacher.
C2 verb /ˌriː.kəˈpɪtʃ.ə.leɪt/

recapitulate

Meaning
To summarize and state again the main points of something.
Example
The teacher asked the student to recapitulate the lesson.
C1 verb /ˈdɪs.ɪ.peɪt/

dissipate

Meaning
To disappear or cause to disappear gradually.
Example
The tension in the room slowly dissipated.
A1 noun, verb /bʊk/

book

Meaning
A set of written, printed, or blank pages fastened together; to arrange for someone to have a seat, room, or ticket in advance.
Example
I booked a table at the restaurant for dinner.
C2 noun /ˌmɪsæprɪˈhɛnʃən/

misapprehension

Meaning
a mistaken belief or misunderstanding
Example
There is a common misapprehension about the causes of the disease.
B2 verb /lɪk/

lick

Meaning
to pass the tongue over something; to defeat decisively
Example
The cat licked its paws clean.
B2 noun /rɪˈlʌk.təns/

Reluctance

Meaning
unwillingness to do something; hesitation
Example
He showed reluctance to accept the job offer.
A2 noun /juːθ/

Youth

Meaning
the period between childhood and adult age; young people collectively; the state of being young
Example
He spent his youth traveling around the world.
C2 noun /ˈsʌfərəns/

sufferance

Meaning
patient endurance of pain, hardship, or delay; passive consent or tolerance
Example
He lived in poverty with quiet sufferance.
C2 adjective ˌɪm.pəˈtɜː.bə.bəl

imperturbable

Meaning
Unable to be upset or excited; not easily disturbed.
Example
His imperturbable nature made him a great leader.
C1 noun məˌtɪərɪəˈlɪstɪk ˈlaɪfstaɪl

materialistic lifestyle

Meaning
A way of living focused on acquiring material possessions and wealth.
Example
A materialistic lifestyle often leads to moral decline.
A2 pronoun /nʌn/

none

Meaning
not any; no one; not one
Example
None of the students passed the exam.
B2 noun /ˈpes.ə.mɪst/

Pessimist

Meaning
a person who tends to see the worst aspect of things or believes that the worst will happen; someone who lacks hope or confidence in the future
Example
Being a pessimist, he always expected the worst outcome.
C2 noun /ˌkʌmˈʌpəns/

comeuppance

Meaning
A deserved punishment or fate; just deserts.
Example
The corrupt official finally got his comeuppance in court.
B1 noun /əˈsɛmbli/

assembly

Meaning
a group of people gathered together for a common purpose or the act of putting parts together to form something
Example
The school held an assembly to discuss the new rules.
B2 noun /ˈʃepərd/

Shepherd

Meaning
a person who tends and guards sheep
Example
The shepherd guided his flock to the green pasture.
C2 adjective /ɡɑːrˈɡæntʃuən/

gargantuan

Meaning
Extremely large; enormous.
Example
They served a gargantuan meal at the feast.
B1 noun /mʌɡ/

Mug

Meaning
a large cup, typically cylindrical and having a handle and used without a saucer
Example
She drank her morning coffee from a ceramic mug.
B2 noun /ˈɪm.pʌls/

Impulse

Meaning
a sudden strong and unreflective urge or desire to act; a driving force or motivation
Example
She bought the expensive dress on impulse and later regretted the purchase.
C1 verb /bɔːk/

balk

Meaning
to hesitate or refuse to proceed or comply
Example
She balked at signing the contract without reading it fully.
C1 adjective /əˈpriː.ʃə.bəl/

Appreciable

Meaning
noticeable; significant; considerable in amount
Example
There was an appreciable improvement in his test scores.
B2 adjective + noun ˈædvɜːrs ɪˈfekts

adverse effects

Meaning
Negative or harmful impacts that result from an action or condition.
Example
Plastic usage has adverse effects on the environment.
C1 adjective /ˈhæɡ.ərd/

Haggard

Meaning
looking exhausted and unwell, especially from fatigue, worry, or suffering
Example
After working three nights without sleep, he looked haggard.
C1 adjective /steɪd/

staid

Meaning
Serious, respectable, and unadventurous.
Example
He came from a staid family background.
C2 adjective /ˌɪnfɪnɪˈtɛsɪməl/

infinitesimal

Meaning
Extremely small in size or amount; so tiny as to be almost negligible.
Example
The error was so infinitesimal that it didn’t affect the results.
C2 noun /ˌpæl.ənˈkiːn/

Palanquin

Meaning
a covered chair or bed carried on poles by bearers
Example
The bride was carried to the wedding ceremony in an ornate palanquin.
C2 noun /baɪt/

bight

Meaning
A bend or curve in a geographical feature, especially a coastline, or a loop in a rope.
Example
The sailors anchored in the calm waters of the bight.
B2 noun /ˈmɔɪs.tʃər/

Moisture

Meaning
water or dampness that exists in small amounts in the air or on a surface
Example
The skin cream helps retain moisture.
A2 noun /ɔɪl/

Oil

Meaning
a viscous liquid derived from petroleum or plants, used for cooking or fuel
Example
Heat the oil in a pan before adding the vegetables.
C2 noun /ˈnɪk.næk/

knickknack

Meaning
A small decorative object, especially in a house.
Example
The shelf was full of little knickknacks collected from their travels.
B2 adjective ˌæs.trəˈnɒm.ɪ.kəl

astronomical

Meaning
Relating to astronomy; extremely large in amount or extent.
Example
The astronomical price reflects its exclusivity.
C2 verb /əˈkuːtər/

accouter

Meaning
to equip or outfit, typically with military or ceremonial attire
Example
The soldiers were accoutered in full battle gear.
B1 noun, verb /ˈlaɪsəns/

license

Meaning
A legal permission to do something (noun); to grant such permission (verb).
Example
You must have a driving license to operate a car legally.
C1 verb /ˈmɪŋɡl/

mingle

Meaning
to mix or combine; to move among people and engage socially
Example
Guests mingled at the party, chatting and laughing together.
C2 noun /ˈdaɪətraɪb/

diatribe

Meaning
A forceful and bitter verbal attack against someone or something.
Example
The politician launched a diatribe against his opponents.
C1 noun /ˈɒktɪv/

octave

Meaning
A series of eight musical notes, or the interval between one musical pitch and another with double its frequency.
Example
The singer's voice could easily reach the higher octave.
C1 noun /ˈtʃɪz.əl/

Chisel

Meaning
a tool with a sharp flat edge used for cutting or shaping wood, stone, or metal
Example
The carpenter used a chisel to carve the wood.
C1 verb ˈflʌk.tʃu.eɪt

fluctuate

Meaning
To regularly increase or decrease.
Example
Stock prices fluctuate due to market conditions.
C2 adjective /ˈnɛðər/

nether

Meaning
situated down or below; lower
Example
They explored the nether regions of the cave.
C1 noun koʊˈhisɪv ˈjunɪts

cohesive units

Meaning
Groups or organizations that work together as unified wholes, with members closely bound together.
Example
Early humans formed cohesive units for survival.
C1 adjective /ˈskrʌfi/

Scruffy

Meaning
untidy or unkempt in appearance; shabby and worn
Example
The scruffy old dog wandered through the streets looking for food.
C2 adjective /ˈpeɪli/

paly

Meaning
striped with different colors, usually used in heraldry
Example
The knight’s shield was decorated with paly stripes of red and gold.
C1 noun ˌæmbɪˈɡjuːɪti

ambiguity

Meaning
The quality of being open to more than one interpretation; inexactness.
Example
The ambiguity of the statement caused confusion among the team.
B2 noun /ˈsɛtlər/

settler

Meaning
a person who settles in a new area or land
Example
The settlers arrived in the new town and started building homes.
C2 adjective /ləˈsɪviəs/

lascivious

Meaning
showing an overt and often offensive sexual desire
Example
The lascivious remarks made everyone uncomfortable.
C1 verb /aʊtˈwɪt/

outwit

Meaning
to defeat or gain an advantage over someone by being more clever or cunning
Example
The fox managed to outwit the hunters.
C2 adjective /ˈreɪ.moʊs/

ramose

Meaning
having many branches.
Example
The ramose tree shaded the entire garden.
C1 noun sælˈveɪʃən

salvation

Meaning
Deliverance from sin and its consequences, believed by Christians to be brought about by faith in Christ.
Example
The story revolves around the theme of salvation.
C1 noun /ˈroʊz ˈwɔː.tər/

Rose-water

Meaning
a flavored water made by steeping rose petals in water, used in cooking and cosmetics
Example
She added a few drops of rose-water to the dessert.
C1 noun/verb /vɔːlt/

vault

Meaning
A secure room for storing valuables; also to leap or spring over something.
Example
The bank kept its gold bars in a secure vault.
B1 noun /ˈrɛntəl/

rental

Meaning
an arrangement in which something is rented, or the amount paid for renting
Example
The car rental was more expensive than we expected.