Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-11-09

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)

These days, the concept of doing future financing is quite low amoung new generation. While, it is a one of the benificial thing for future. Some people believe that they must spent there whole money to make their life easier in the present, but this is not a practical approach. In this essay iam completely agree with the topic, and i will explain my opinion with examples.

First of all, when we are in our young ages, we donot realise the difficulties which we can face in our old age. One of the main problem will be poor financial condition, because at that time people are uable to do hard work because of the week physicall conditions and if they have saved money in the young age, than the this issue can be resolve very easily. For example health issues will increase in many indiviuals when they reach at fifties and they require money to buy medicines and for hospital visits at that time saving helps them alot.

Secondly, wasting money is very illogical things. If you earning more than your need you must save them in the form of currency, or you can convert them in to any asset which will be helpful for you and your kids. For example if you buy house, with your saving amount this will help you to get rid of the rental property issues and also very useful for your family in future.

on the other hand, some people thinks that current life is more important than future. They must spent all money to make their life pleasent. They say if you make your present worst and doing saving for future its a worthless thing.

In conclusion, genration z must save money to make thier life stable in the future. Because in old ages difficulties of life will increases and this money helps them to make their life happier.

AI examiner evaluation

Task Achievement / Task Response: Band 6.5

Your position is clear: you completely agree that young people should save, and you give relevant reasons about financial security in old age and providing a home for one’s family. The examples of medical costs and buying a house help support the argument, and you briefly acknowledge the opposing view that present enjoyment matters. This fully covers the task, with some elements showing the development expected at a stronger level. However, the counterargument is only stated, not examined or answered, and the point about saving in currency or assets is not explained in much detail. Develop each main idea with a clearer explanation of how it supports your position, and respond directly to the opposing view.

Coherence and Cohesion: Band 6.0

The response has a recognisable overall structure: an introduction, two supporting paragraphs, a paragraph presenting the opposing view, and a conclusion. Sequencing phrases such as “First of all,” “Secondly,” and “on the other hand” make the stages easy to follow. However, progression within paragraphs is sometimes mechanical, and the opposing view is left disconnected from your own argument rather than being evaluated. Some references are also unclear, as in “this issue” and “this money,” where the reader must infer the exact point. The opening “While” sentence is awkwardly attached to the preceding idea. Use clearer links between claims and examples, and make the final body paragraph explain why the opposing view does not change your position.

Lexical Resource: Band 5.0

You use some relevant topic vocabulary, including “financial condition,” “asset,” “rental property,” and “hospital visits,” so the reader can understand the main subject. However, the range is limited and several word choices or collocations are noticeably inaccurate, such as “future financing,” “make their life worst,” and “wasting money is very illogical things.” Spelling errors, including “amoung,” “benificial,” and “indiviuals,” also reduce accuracy and polish. Aim for more natural phrases connected to personal finance, and check spelling carefully. Replacing broad or awkward expressions with precise terms will make your argument clearer and more convincing.

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and complex sentences, including a conditional structure in “if they have saved money … this issue can be resolve” and a reason clause beginning “because.” These attempts show some range, but control is inconsistent, and errors sometimes make sentences difficult to process. For example, “I am completely agree” has an incorrect verb pattern, while “some people thinks” has subject–verb disagreement. There are also problems with articles, plurals, and sentence boundaries, as in “One of the main problem” and the comma splice in “In conclusion, genration z must save money … Because…”. Practise accurate verb forms and agreement, and revise long sentences into clearly punctuated clauses.

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