Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-11-07

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 5.5)

In modern times, it is vital for people to have a bank balance for their needs. Some people believe that people have some money for their future. I completely agree with this statement because individuals can freely live their life. This essay will outline the key reasons supporting this stance with relevant examples.

First and foremost, saving money allows individuals to become financial stability. To elaborate, maintaining healthy bank balance enables people to face some suddenly situations like accidents and some medical emergencies. For this reason, people cannot lose their passions and easily overcome this kinds of problems. In addition to this, people who have a some backup financial plan they comfortably live their lives. To explain, despite their hectic schedule, young people should invest their money in various types of insurance and long-term investments. They have strong backup plane so that reason they do not waste to much time for future planning instead they can freely enjoy present moments.

On the other hand, some people who have not saving money they rely on other people for their elder phase. Elder period is most difficult part of the life. Youngstre may not take responsibility for their shoulder. Consequently, people can take wrong step.

In conclusion, saving money can offer financial sequrity and people can easily solve their situation without any people's needs. However, elder people have not proper fund. So that they can depend to other people and sometime, in their retire age they do some works and takle their needs.

AI examiner evaluation

Task Achievement / Task Response: Band 5.5

Your position is explicit: “I completely agree,” and the response gives relevant reasons, particularly financial protection during emergencies and having resources in later life. The example of accidents and medical emergencies helps explain why savings matter. However, the discussion only partly addresses the statement’s emphasis on everyone, including young people: the point about young people investing is brief, and the later-life argument is difficult to follow. Several claims, such as savings allowing people to “freely enjoy present moments,” are asserted rather than clearly explained or supported. Develop each main reason with a clearer explanation or a specific example, and make the conclusion restate your position and summarise the reasons more directly.

Coherence and Cohesion: Band 5.5

The response has an introduction, body paragraphs and a conclusion, and signposts such as “First and foremost,” “On the other hand” and “In conclusion” show an attempt to guide the reader. The emergency-savings point is placed logically after the first main reason. However, progression is uneven: the second body paragraph introduces reliance on others in old age but does not clearly connect this to the earlier discussion, while the conclusion adds further points rather than neatly summarising the argument. Some links are mechanical or unclear, as in “so that reason,” and references such as “this kinds of problems” make connections harder to follow. Organise the body around two clearly stated reasons and use linking phrases that show the precise relationship between ideas.

Lexical Resource: Band 5.0

You use some relevant topic vocabulary, including “financial emergencies,” “insurance,” “long-term investments” and “retire age,” so the reader can identify the subject of the essay. However, the range is limited and several word choices or collocations are inaccurate, sometimes making meaning unclear. Examples include “become financial stability,” “backup plane,” “elder phase” and “take wrong step.” Spelling errors such as “sequrity” and “takle” also reduce accuracy. Aim to learn common word partnerships for personal finance and retirement, and check spelling and word forms during revision. More precise vocabulary would help you express the ideas without relying on repeated general terms such as “people,” “money” and “problems.”

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and more extended sentences, including a subordinate clause beginning “despite their hectic schedule” and a sentence explaining that savings help people face emergencies. However, the range is limited, and errors occur frequently enough to make some sentences difficult to understand. For example, “people who have not saving money they rely” has an incorrect verb form and sentence structure, while “people can take wrong step” has problems with article and number. There are also errors in agreement and sentence construction in “people cannot lose their passions and easily overcome this kinds of problems.” Practise building accurate sentences with a clear subject and verb, and check articles, plurals and verb forms before adding more complex clauses.

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