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.
C2 noun (plural) /əˈspɜːr.ʒənz/

aspersions

Meaning
Critical or slanderous remarks; multiple attacks on reputation.
Example
The politician rejected the aspersions cast against him.
C2 adjective /ˌækwiˈɛsənt/

acquiescent

Meaning
ready to accept something without protest, or to do what someone else wants
Example
He gave an acquiescent smile and agreed to the plan.
B1 verb /əˈtætʃ/

attach

Meaning
to join or fasten something to another thing
Example
Please attach the document to the email before sending.
C2 noun /ˈɑːm.lət/

Armlet

Meaning
a band worn around the upper arm as an ornament
Example
The traditional dancer wore golden armlets that gleamed in the spotlight.
B2 noun /əˈvɔɪdəns/

avoidance

Meaning
the act of staying away from something; deliberate prevention of contact or confrontation
Example
Avoidance of difficult conversations can create bigger problems later.
A2 noun /ænt/

Ant

Meaning
a small insect that lives in organized colonies and is known for hard work
Example
The ant carried a crumb that was twice its size.
C2 adverb /əˈsɪdʒuəsli/

assiduously

Meaning
with great care and persistence
Example
He worked assiduously to complete the project before the deadline.
C1 noun /ˈæk.jʊ.mən/

acumen

Meaning
The ability to make good judgments and quick decisions; keenness and depth of perception.
Example
His business acumen helped the company grow rapidly.
C1 noun ˌæp.əˈreɪ.təs

apparatus

Meaning
The technical equipment or machinery needed for a particular activity or purpose.
Example
The apparatus was designed to be eco-friendly.
B1 adverb /ˌɔːl.təˈɡeð.ər/

Altogether

Meaning
completely; in total; considering everything
Example
The project cost altogether five thousand dollars.
C2 noun /ˌænɪmædˈvɜːʒən/

animadversion

Meaning
Strong criticism or censure.
Example
The policy attracted severe animadversion from the public.
C2 noun /əˈkʌmpənɪst/

accompanist

Meaning
A person who plays a musical instrument to support a singer or another musician.
Example
The pianist served as the accompanist for the singer during the concert.
B2 noun /əˈɡrɛʃən/

aggression

Meaning
hostile or violent behavior towards others
Example
His sudden aggression surprised everyone in the meeting.
C2 noun /ˈæmpərˌsænd/

ampersand

Meaning
The symbol '&' used to represent the word 'and'.
Example
Use an ampersand instead of writing the word 'and' in the company name.
B2 noun /æmˈfɪbiən/

amphibian

Meaning
A cold-blooded vertebrate animal that can live both on land and in water.
Example
A frog is a common amphibian that lives both in water and on land.
C2 adjective /əˈkɜːrsɪd/

accursed

Meaning
Doomed, detestable, or under a curse.
Example
The villagers avoided the accursed house on the hill.
B1 noun əˈreɪndʒmənt

arrangement

Meaning
The way things are organized, positioned, or structured.
Example
The arrangement of protons in the nucleus is critical.
C1 noun /əˈrɪs.tə.kræt/

Aristocrat

Meaning
a member of the aristocracy; a person of noble rank or birth
Example
The aristocrat lived in a magnificent castle.
B2 noun ədˈvɑːns.mənts

advancements

Meaning
The process of promoting or moving forward; development or improvement.
Example
Scientific advancements enhance global innovation.
C2 adjective /eɪˈsɛptɪk/

aseptic

Meaning
Free from contamination caused by harmful microorganisms; sterile.
Example
Surgeons must work in an aseptic environment to prevent infection.
A2 noun /ˈɔːtəm/

autumn

Meaning
the season between summer and winter, when leaves fall from trees
Example
The trees look beautiful in autumn, with colorful leaves falling.
C1 preposition /əˈtɒp/

atop

Meaning
on the top of something
Example
A flag was placed atop the tower.
A2 adjective /əˈveɪləbl/

available

Meaning
Able to be used, obtained, or accessed.
Example
The product is now available in all stores.
B1 adverb /ˈɑːf.tə.wərdz/

Afterwards

Meaning
at a later time; after an event or time that has already been mentioned
Example
We had dinner and afterwards we watched a movie.
C2 adjective /ˌæp.rɪˈhen.sə.bəl/

Apprehensible

Meaning
able to be understood or grasped; comprehensible
Example
The complex theory became apprehensible after the professor's explanation.
C1 adjective /æmˈfɪb.i.əs/

Amphibious

Meaning
able to live both on land and in water; suitable for both land and water operations
Example
The amphibious vehicle can travel on both land and water.
C2 adjective /ˌæk.rɪˈmoʊ.ni.əs/

acrimonious

Meaning
Bitter and angry, often involving harsh words.
Example
The debate turned acrimonious after the controversial remark.
B2 adjective /ˈɑːrbɪˌtrɛri/

arbitrary

Meaning
based on random choice or personal whim, rather than reason or system
Example
The teacher's arbitrary grading upset many students.
C1 adjective /əˈmiːnəbl/

amenable

Meaning
willing to cooperate or be influenced; open to suggestions
Example
She was amenable to the idea of working longer hours.
C2 noun ˌæɡ.roʊˈiː.koʊˌsɪs.təm

agroecosystem

Meaning
An ecological system centered on agricultural activities and processes.
Example
A healthy agroecosystem improves soil fertility.
B1 noun /ˈæʃ.treɪ/

Ash tray

Meaning
a receptacle for tobacco ash and cigarette butts
Example
Please use the ash tray for your cigarette.
B2 verb/adjective /ɑːrˈtɪkjʊlət/

articulate

Meaning
to express thoughts or ideas clearly; having the ability to speak fluently and clearly
Example
She was able to articulate her ideas during the meeting.
B2 noun /ˈæd.və.kət/

Advocate

Meaning
a lawyer who represents clients in court; a person who supports or argues for a cause or policy
Example
The advocate presented strong evidence to defend his client in court.
B2 noun /əˈstrɒlədʒi/

astrology

Meaning
the study of the movements and relative positions of celestial bodies interpreted as having an influence on human affairs
Example
She studied astrology to understand her future.
A2 noun /əˈpɪə.rəns/

Appearance

Meaning
the way that someone or something looks; an act of performing or participating in a public event
Example
Her appearance at the event surprised everyone.
C1 verb /ˈæbdɪkeɪt/

abdicate

Meaning
To give up a position of power or responsibility, especially a throne.
Example
The king decided to abdicate the throne.
B1 noun /əˈsaɪnmənt/

assignment

Meaning
a task or piece of work given to someone as part of their duties
Example
The students completed their homework assignment on time.
B2 adverb /ˌæksɪˈdɛntəli/

accidentally

Meaning
happening by chance or unexpectedly
Example
He accidentally dropped the glass.
B2 noun /ˈæməzɒn/

amazon

Meaning
A tall, strong, or powerful woman.
Example
She fought like an amazon in the competition.
B2 noun əˈkɔːrd

accord

Meaning
An official agreement or treaty.
Example
The accord emphasized gradual progress.
C2 verb /əˈdʒʌdʒ/

adjudge

Meaning
to consider or declare officially in a legal or formal manner
Example
He was adjudged guilty by the court.
C1 adjective /ˈɔːrəl/

aural

Meaning
Relating to the ear or the sense of hearing.
Example
The lecture was an aural experience as well as an intellectual one.
B2 noun/verb /eɪp/

ape

Meaning
a large primate similar to a monkey but without a tail; as a verb, to imitate or mimic
Example
Children often ape the behavior of adults.
C1 adjective /ˈæʃən/

ashen

Meaning
Very pale in appearance, often due to shock, fear, or illness.
Example
His face turned ashen when he heard the terrible news.
C2 noun /ˈɑːrtləsnəs/

artlessness

Meaning
The quality of being natural and simple without deceit or pretension.
Example
Her artlessness made her beloved by all.
C2 adjective /ˈærənt/

arrant

Meaning
complete or utter (used negatively, e.g., 'arrant nonsense')
Example
His excuse was arrant nonsense.
C2 noun, verb /əˈfrʌnt/

affront

Meaning
An action or remark that causes outrage or offense.
Example
He took her criticism as a personal affront.
B2 adjective /ˌæn.tiˈsoʊ.ʃəl/

Antisocial

Meaning
avoiding social interaction; hostile to social order
Example
His antisocial behavior made it difficult for him to make friends.
B2 verb /əˈvɜːrt/

avert

Meaning
to prevent something bad from happening or to turn away one's eyes or thoughts
Example
Quick action helped avert a disaster.
C1 noun /əˈlʌmnəs/

alumnus

Meaning
a former student or graduate of a school, college, or university
Example
He is an alumnus of Harvard University.
C1 noun /ˈɑːrməri/

armory

Meaning
A place where weapons are stored; a supply of resources or skills.
Example
The soldiers kept their weapons in the armory.
C1 noun /ˌɑːr.kəˈpɛl.əˌɡoʊ/

archipelago

Meaning
A group of islands clustered together in a body of water.
Example
Indonesia is an archipelago with thousands of islands.
B2 adjective/verb /əˈprɒksɪmət/

approximate

Meaning
close to the actual but not exact; to estimate or calculate roughly
Example
The cost is approximate and may change later.
B2 noun /ˌæl.əˈɡeɪ.ʃən/

Allegation

Meaning
a claim that someone has done something wrong or illegal
Example
The allegation against him was proven false.
C2 adjective /ɔːˈɡʌst/

august

Meaning
Respected and impressive; inspiring reverence or admiration.
Example
The king entered the hall with an august presence.
B2 noun /əˈstɒnɪʃmənt/

astonishment

Meaning
Great surprise or amazement.
Example
She looked at the magician with astonishment.
B2 noun /ədˈmɪnɪstreɪtər/

administrator

Meaning
a person responsible for running or managing an organization or system
Example
The school administrator implemented new policies for students.
B1 noun /ˌæplɪˈkeɪʃən/

application

Meaning
a formal request for something; the act of putting something into operation; or a software program
Example
She submitted her application for the scholarship.
C1 noun /ˈæmfɪˌθiətər/

amphitheater

Meaning
A large open circular or oval building with rising tiers of seats, used for public events.
Example
The concert was held in an ancient amphitheater.
C1 adverb /əˈbrɛst/

abreast

Meaning
side by side and facing the same direction; informed about something
Example
The soldiers marched two abreast down the street.
B2 verb /ˈɔːdɪt/

audit

Meaning
to examine and verify financial records or accounts officially
Example
The accountant will audit the company's books next month.
A2 noun /əˈpɑːrtmənt/

apartment

Meaning
a set of rooms forming a residence within a building
Example
She rented an apartment in the city center.
B1 noun/adjective /ˌæfrɪkən əˈmɛrɪkən/

african-american

Meaning
A person of African descent living in or originating from the United States; relating to such people.
Example
She is proud of her African-American heritage.
C2 noun /ˈɔːspɪs/

auspice

Meaning
A sign, omen, or divine token; also refers to protection or support.
Example
The project was launched under the auspice of the government.
C1 verb /əˈkrɛdɪt/

accredit

Meaning
to officially recognize, authorize, or approve someone or something
Example
The university is accredited by the national education board.
C2 verb /əˈkuːtə/

accoutre

Meaning
to dress or equip, especially in something impressive or elaborate
Example
The knight was accoutred in shining armor.
B2 noun /əˈnætəmi/

anatomy

Meaning
the study of the structure of living things, especially the human body
Example
She is studying human anatomy at medical school.
C1 noun əˈtrɪʃ.ən

attrition

Meaning
The process of reducing something's strength or effectiveness through sustained attack or pressure.
Example
The company faced high employee attrition due to job dissatisfaction.
B2 noun /ˌɔːltəˈreɪʃən/

alteration

Meaning
a change or modification made to something
Example
The tailor made an alteration to the suit.
C1 adjective /əˈnɒmələs/

anomalous

Meaning
deviating from what is standard, normal, or expected
Example
Scientists observed an anomalous result during the experiment.
B1 adjective /ˌækəˈdɛmɪk/

academic

Meaning
related to education, learning, or scholarly activities
Example
She has an outstanding academic record.
B2 noun /ˈeɪ.prɪ.kɒt/

Apricot

Meaning
a small orange-colored fruit with a soft skin and sweet flesh
Example
The apricot tree produces sweet fruit in summer.
C1 adjective /ˈædəmənt/

Adamant

Meaning
একগুঁয়ে; জেদী; দৃঢ়সংকল্প; অনমনীয়;
Example
She was adamant about her decision to leave the company.
B2 noun /æʃ/

ash

Meaning
the powdery residue left after the burning of a substance
Example
After the fire, only ash remained of the house.
C1 adjective /ˈækʃənəbl̩/

actionable

Meaning
Able to be acted on or giving sufficient reason for legal action.
Example
The lawyer confirmed that the evidence was actionable in court.
B1 adverb /ˌɔːtəˈmætɪkli/

automatically

Meaning
without human control or intervention; done by itself
Example
The door closes automatically after you enter.
C2 verb əˈmiːljəreɪt

ameliorate

Meaning
To make better; improve or enhance something.
Example
The new policies are designed to ameliorate living conditions.
B2 adjective /əˈnɒn.ɪ.məs/

Anonymous

Meaning
having an unknown name or identity; nameless
Example
The author published the book under an anonymous pseudonym.
B2 verb /əˈbaɪd/

abide

Meaning
to accept or act in accordance with; to endure; to dwell
Example
I will abide by the rules of the company.
B2 adjective /əˈten.tɪv/

Attentive

Meaning
careful to pay attention; alert and observant
Example
The attentive student listened carefully to every word the teacher said.
B2 noun /ˈænsestər/

Ancestor

Meaning
a person, typically one more remote than a grandparent, from whom one is descended
Example
She researched her family tree to learn about her ancestors.
C2 noun /ˌæntɪˈtɒksɪn/

antitoxin

Meaning
A substance that neutralizes a specific toxin in the body.
Example
The doctor administered an antitoxin to counter the snake venom.
C1 noun /əˈrɪəz/

arrears

Meaning
Money that is owed and should have been paid earlier.
Example
She was months in arrears with her electricity bill.
B1 noun /ˈækses/

Access

Meaning
the ability, right, or permission to approach, enter, or pass to and from a place
Example
Students have access to the library 24 hours a day.
B2 verb /ˈælaɪ/

ally

Meaning
To unite or form a connection or partnership with another person, group, or nation.
Example
The two countries decided to ally against their common enemy.
C1 adjective /ˈeɪmləs/

Aimless

Meaning
without purpose or direction; lacking a goal
Example
He wandered around the city in an aimless manner.
B2 adjective əˈstaʊn.dɪŋ

astounding

Meaning
Surprisingly impressive or notable; causing shock or surprise.
Example
The magician's astounding tricks left the audience speechless.
B1 noun /əˈfek.ʃən/

Affection

Meaning
a feeling of liking or caring for someone or something
Example
She has deep affection for her grandmother.
C1 noun ˈæltruɪzəm

altruism

Meaning
The belief in or practice of disinterested and selfless concern for the well-being of others.
Example
His altruism motivated others to volunteer.
B2 verb /əˈsend/

ascend

Meaning
to go up or climb to a higher position; to rise
Example
The climbers will ascend the mountain at dawn.
B2 adverb /ˌælfəˈbɛtɪkli/

alphabetically

Meaning
in the order of the letters of the alphabet
Example
The names are listed alphabetically in the register.
C2 noun /ˈætəmaɪzər/

atomizer

Meaning
A device that sprays liquid into a fine mist.
Example
She used an atomizer to apply the perfume evenly.
C1 adjective /ˈeɪ.mi.ə.bəl/

Amiable

Meaning
friendly and pleasant; good-natured; kind
Example
My neighbor is very amiable and always greets everyone warmly.
C2 verb /ˈædjʊˌleɪt/

adulate

Meaning
to praise or flatter excessively
Example
The fans adulated the actor after his performance.
C2 noun /ˈɔːlmənæk/

almanac

Meaning
An annual publication containing calendars, weather forecasts, astronomical data, and other useful information.
Example
He consulted the almanac to check the phases of the moon.
B2 noun /ˈæsɪd/

acid

Meaning
a chemical substance that reacts with bases and has a sour taste
Example
Lemons contain citric acid.
B1 noun /ˈeɪ.dʒən.si/

Agency

Meaning
a business or organization that provides a particular service
Example
She works for a travel agency downtown.
B2 noun ˈæp.ə.taɪt

appetite

Meaning
A natural desire to satisfy a bodily need, especially for food.
Example
Junk food increases appetite unnaturally.
B1 verb /əˈfɛkt/

affect

Meaning
to influence or make a difference to something
Example
The weather can greatly affect our mood.
B1 noun /ˈætɪˌtjuːd/

attitude

Meaning
A settled way of thinking or feeling about someone or something, often reflected in behavior.
Example
Her positive attitude helped her overcome many challenges.
B2 adverb /əˈten.tɪv.li/

Attentively

Meaning
with careful attention; in a focused manner
Example
She listened attentively to her teacher's instructions.
C1 noun əˈɡrɛriən səˈsaɪətiz

agrarian societies

Meaning
Societies based on agriculture and farming as the primary economic activity.
Example
Agrarian societies emerged from a need for stable food sources.
C2 verb /əbˈhɔːr/

abhor

Meaning
to regard with disgust and hatred
Example
She abhors cruelty to animals.
C1 adjective ɔːɡˈmen.tɪd

augmented

Meaning
having been made greater in size or value.
Example
The new software provided augmented reality features.
B2 noun /ˌɑːr.kiˈɑː.lə.dʒi/

archeology

Meaning
the study of human history and prehistory through excavation and analysis of artifacts and structures
Example
She decided to study archeology to learn about ancient civilizations.
C2 noun /ˌænɪˈmɒmɪtər/

anemometer

Meaning
An instrument used to measure the speed and direction of wind.
Example
The scientist used an anemometer to record the wind speed during the storm.
B2 adjective /ˈɛəri/

airy

Meaning
Spacious and well-ventilated; light and breezy.
Example
The new apartment is bright and airy.
B2 noun ˌæl.ɪˈɡeɪ.ʃənz

allegations

Meaning
Claims or assertions that someone has done something illegal or wrong, typically without proof.
Example
The allegations were investigated by an international body.
B2 adjective /əˈkaʊntəbl/

accountable

Meaning
Required or expected to justify actions or decisions; responsible.
Example
Staying accountable helps reduce delays.
C2 noun /əˈnɔɪnt.mənt/

anointment

Meaning
The act of anointing, usually with oil, as part of a ritual or ceremony.
Example
The anointment of the new leader was a sacred ritual.
B1 noun əˈses.mənt

assessment

Meaning
The evaluation or estimation of the nature, quality, or ability of someone or something.
Example
The assessment process ensures fairness.
C1 verb /ˈeɪ.li.ə.neɪt/

alienate

Meaning
To make someone feel isolated or estranged; to cause someone to become unfriendly.
Example
His rude behavior alienated many of his friends.
C1 adjective /əˈrɛstɪŋ/

arresting

Meaning
Attracting attention in a striking or impressive way.
Example
The actress gave an arresting performance.
B2 verb, noun, adjective /ˈɔːltərnət/ (adj, noun), /ˈɔːltərˌneɪt/ (verb)

alternate

Meaning
to occur in turn repeatedly; to take turns; also, a substitute or replacement
Example
The students alternate between online and offline classes.
B2 noun /əˈlaʊəns/

Allowance

Meaning
a sum of money paid regularly to a person; permission to do something
Example
Children receive a weekly allowance for helping with chores.
C2 verb /ˌækwiˈɛs/

acquiesce

Meaning
to accept something reluctantly but without protest
Example
She decided to acquiesce to her parents’ wishes.
B1 noun /əˈkaʊntənt/

accountant

Meaning
a person whose job is to keep or check financial accounts
Example
The accountant prepared the financial reports for the company.
C1 noun əˌkred.ɪˈteɪ.ʃən

accreditation

Meaning
The action or process of officially recognizing someone or something as having a particular status or being qualified to perform a particular activity.
Example
Accreditation ensures institutional credibility.
B2 adverb /ˈæk.jə.rət.li/

Accurately

Meaning
in an exact way, without any mistakes; precisely; correctly
Example
She accurately predicted the outcome of the election.
C1 verb /əˈtɛst/

attest

Meaning
To provide or serve as clear evidence of; to confirm or certify the truth of something.
Example
The witness attested to the accuracy of the report.