Band 4.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 4.0 · Cambridge IELTS 19 · 2026-11-06

IELTS Writing Task 2 question

It is important for everyone, including young people, to save money for their future.

To what extent do you agree or disagree with this statement?

Give reasons for your answer and include any relevant examples from your own knowledge or experience.

Student answer (Band 4.0)

In contemporary society, money plays vital role in individual's lives.It is paramount for each person,including young genrations, to save money for their future.I wholeheartedly accord the given notation since to save money not only facilitates to unexpected medical expenses but also helps to daily expenses.

one compelling argument is that save money can contribute to unexpected medical expenses. When individuals facing some dificulties like global pandamic, emergency medical problem.At that time, to save money may facilitate for individuals. For example, In 2020, Owing to corona virus,people may face difficulties.

AI examiner evaluation

Task Achievement / Task Response: Band 3.0

Your position is clear: “I wholeheartedly accord” indicates strong agreement, and you identify saving for medical emergencies as a relevant reason. However, the response addresses the task only minimally: it gives just one brief supporting point, does not explain the claim about everyday expenses, and offers no developed example—the reference to the 2020 pandemic ends without showing how savings helped. The response is also substantially below the required 250 words, so there is not enough discussion to address the task adequately. To improve, explain both reasons in separate, developed paragraphs, show how each supports your position, and include a specific example with a clear outcome.

Coherence and Cohesion: Band 4.5

There is a basic overall sequence: you state your opinion, then begin to explain one reason and introduce an example. The phrase “For example” signals the intended relationship between the point and the illustration. However, the response is too brief to establish clear progression across a full essay, and the example is incomplete. The opening paragraph also combines your position and two reasons without developing either, while the next paragraph stops abruptly. Improve organisation by using a clear introduction, one paragraph for each main reason, and a conclusion. Use linking expressions to show how each explanation and example connects, rather than relying on a short sequence of claims.

Lexical Resource: Band 4.5

You attempt some topic-relevant vocabulary, including “unexpected medical expenses,” “individuals,” and “global pandemic,” which helps communicate the general subject. However, several word choices and collocations are inaccurate or unnatural, such as “accord the given notation,” “to daily expenses,” and “save money can contribute.” Spelling errors such as “genrations,” “dificulties,” and “pandamic” also reduce accuracy. These issues make parts of the response less clear and show that vocabulary is not yet controlled consistently. Build a reliable range of phrases for discussing financial planning, and check spelling and collocations. For example, use “agree with the statement,” “cover everyday costs,” and “saving can help pay for.”

Grammatical Range and Accuracy: Band 4.5

You attempt both a longer sentence with “not only…but also” and shorter explanatory sentences, showing some effort to vary structure. However, grammatical errors occur in most of the response and sometimes make relationships unclear. Examples include the missing article in “money plays vital role,” the incomplete construction “one compelling argument is that save money,” and “When individuals facing,” which lacks a finite verb. The sentence beginning “At that time” is also not connected grammatically to the preceding fragment. Punctuation and spacing around sentence boundaries are inconsistent. Practise complete clauses, articles, and verb forms—for instance, “One compelling argument is that saving money can help people meet unexpected medical costs.”

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