CFA Level 1 Glossary: 20 terms, plain English

The definitions the CFA curriculum assumes you already know, explained in plain English — each with a link to the full topic page for deeper context.

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Duration Put-Call Parity GIPS WACC Gordon Growth Model Cash Conversion Cycle CAPM Yield to Maturity Convexity Efficient Frontier Time Value of Money Central Limit Theorem Elasticity Purchasing Power Parity DuPont Analysis FIFO / LIFO Capitalization Rate J-Curve Beta Contango / Backwardation
Fixed Income

Duration

A measure of a bond's price sensitivity to interest rate changes, expressed roughly in years. Modified duration gives a direct percentage: a bond with modified duration of 8 will fall about 8% in price for every 1% rise in yield (and vice versa).

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Derivatives

Put-Call Parity

A no-arbitrage relationship between a European call, a European put, the underlying stock, and a risk-free bond, all with the same strike and expiry: C + PV(X) = P + S₀. If it doesn't hold, an arbitrage opportunity exists.

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Ethics

GIPS

The Global Investment Performance Standards — a voluntary set of rules governing how investment firms calculate and present performance results, so track records can be honestly compared across firms.

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Corporate Issuers

WACC

Weighted Average Cost of Capital — a company's blended cost of debt and equity financing, weighted by their share of the capital structure. Used as the discount rate for evaluating whether a project creates value.

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Equity Investments

Gordon Growth Model

A dividend discount model that values a stock as a perpetuity of dividends growing at a constant rate: V₀ = D₁ / (r − g). Works best for stable, mature dividend-paying companies.

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Corporate Issuers

Cash Conversion Cycle

The number of days it takes a company to convert resource inputs into cash flow — days of inventory outstanding plus days of sales outstanding, minus days of payables outstanding. Shorter is generally better for working capital efficiency.

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Portfolio Management

CAPM

The Capital Asset Pricing Model estimates an asset's expected return from its systematic risk: E(R) = Rf + β(Rm − Rf). Only systematic (market) risk is compensated — diversifiable risk isn't priced in.

Full Portfolio Management breakdown →
Fixed Income

Yield to Maturity (YTM)

The single discount rate that equates a bond's price to the present value of all its remaining cash flows. It's the bond's internal rate of return if held to maturity and every coupon is reinvested at that same rate.

Full Fixed Income breakdown →
Fixed Income

Convexity

A second-order correction to duration — duration alone assumes a straight-line relationship between yield and price, but the real relationship curves. Convexity captures how much duration understates a bond's price gain (or overstates its loss) for large yield moves.

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Portfolio Management

Efficient Frontier

The set of portfolios that offer the highest expected return for a given level of risk (or lowest risk for a given expected return). Any portfolio below this curve is "inefficient" — a better combination exists.

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Quantitative Methods

Time Value of Money (TVM)

The principle that a dollar today is worth more than a dollar in the future, because it can be invested to earn a return. Underlies present value, future value, annuity, and NPV/IRR calculations across nearly every other topic.

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Quantitative Methods

Central Limit Theorem

States that the sampling distribution of the sample mean approaches a normal distribution as sample size grows, regardless of the shape of the underlying population — the reason confidence intervals and hypothesis tests can assume normality even when the data itself isn't normal.

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Economics

Elasticity

A measure of how responsive quantity demanded (or supplied) is to a change in price, calculated as the ratio of percentage change in quantity to percentage change in price. Magnitude above 1 is "elastic," below 1 is "inelastic."

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Economics

Purchasing Power Parity (PPP)

The theory that exchange rates adjust over the long run so identical goods cost the same in different currencies — a country with persistently higher inflation should see its currency depreciate to compensate.

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Financial Reporting & Analysis

DuPont Analysis

Decomposes Return on Equity into three drivers — net profit margin, asset turnover, and financial leverage — so you can see which lever is actually responsible for a company's ROE, not just the headline number.

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Financial Reporting & Analysis

FIFO / LIFO

Two inventory cost-flow assumptions. FIFO ("first in, first out") assumes the oldest inventory costs are expensed first. LIFO ("last in, first out") assumes the newest costs are expensed first — during rising prices, this produces lower reported profit and lower ending inventory than FIFO. LIFO is not permitted under IFRS.

Full Financial Reporting breakdown →
Alternative Investments

Capitalization Rate

In real estate direct capitalization valuation, a property's net operating income divided by its value. Rearranged: Value = NOI / cap rate — a lower cap rate implies a higher value for the same income.

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Alternative Investments

J-Curve

The typical pattern of private equity fund returns over time — early years show negative returns (fees and early write-downs), followed by a sharp upward turn as portfolio companies mature and are exited. Plotted, it resembles the letter J.

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Portfolio Management

Beta

A measure of an asset's systematic risk relative to the overall market — a beta of 1.4 means the asset tends to move 1.4× as much as the market, in the same direction. Beta above 1 amplifies both gains and losses relative to the market.

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Derivatives

Contango / Backwardation

Describes the shape of a futures curve. In contango, futures prices are above the expected spot price (common when storage costs dominate). In backwardation, futures prices are below the expected spot price (common when there's a convenience yield to holding the physical commodity now).

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