Band 5.5 IELTS Writing Task 2 Model Answer

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

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)

It is often argued by some people that saving money for future is important including young peoples. In my opinion' i am totally agree with the statment.

Generally speaking' saving money for future is extremely important for young people so that they can get a multiple houses for their childrens. They can use their saving to invest in the real estate so they can also generate some income by renting those houses and they do not have to work in their 50's. Whenever they need their money back they can sell the houses. A good example of real estate business is in pakistan. In 2002 a young boy "Malik Rayaz" he invested his savings in real estate business. He buy properties from a far distance form large cities. Now he owned multiple real estate societies in Pakistan and he is the wealthiest man in pakistan.

Another reason for saving money is for emergencies like medical issues. If people uses their whole money in household or enjoying their life they do not have any funds for hospital bills and medicines.Therefore' medical emergencies are extremely expensive and everyone can not pay for thoes bill so you must have savings for that. A movie star name "justin mikes" make a lot of money by making films but he never save a single penny. He enjoys a lot doing parties and drinking alcohol. In his 40's he had a kidney failure so and the hospital bills a so high and he had nothing to pay to hospital.

In conclusion, people should enjoy their life but also have to do saving for any future planning or any medical emergencies. It is important to save money for both elder and young people.

AI examiner evaluation

Task Achievement / Task Response: Band 6.0

Your position is clear from the introduction: you fully agree that saving is important, and the conclusion restates this view. You give two relevant reasons—investment for future income and preparation for medical emergencies—and illustrate each with an example. This addresses the task, but the ideas are not developed equally or always convincingly. The real-estate example explains how investment might provide income, while the medical example mainly tells a story and does not clearly show how ordinary young people should plan for such costs. The claim that savings can let people stop working in their fifties also needs qualification. To strengthen the response, explain the reasoning behind each example and connect it more directly to the benefits of saving for people generally.

Coherence and Cohesion: Band 6.0

The response has a clear overall structure: an introduction, two body paragraphs presenting separate reasons, and a conclusion. The sequence from investment to emergency funds is easy to follow, and phrases such as “Another reason” help signal the shift. However, some connections are mechanical or unclear. For example, “Therefore” introduces a point that largely repeats the preceding sentence, while “so” is used repeatedly to link several steps in the investment paragraph. The examples also take up much of each paragraph without always being explicitly tied back to the main claim. Use a wider range of linking methods, make cause-and-effect relationships precise, and add a sentence after each example explaining what it demonstrates.

Lexical Resource: Band 5.5

You use enough topic-related vocabulary to communicate the main ideas, including “invest,” “real estate,” “generate some income,” “emergencies,” and “medical bills.” There are also attempts at more specific expressions, such as “real estate societies.” However, word choice and spelling are often inaccurate or unnatural, including “get a multiple houses,” “do saving,” “thoes bill,” and “form large cities.” Some phrases are repeated, particularly “saving money” and “money,” which limits flexibility. Choose more natural collocations—for example, “buy several properties,” “set money aside,” and “cover medical expenses”—and check spelling and word forms carefully. More precise vocabulary would make the examples clearer and the argument more fluent.

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and complex sentences, including clauses of purpose and condition, as in “so that they can…” and “Whenever they need their money back…”. The overall meaning is usually understandable, but errors in sentence structure, verb forms, agreement, articles, and punctuation are frequent enough to affect clarity. Examples include “i am totally agree,” “He buy properties,” “If people uses,” and “the hospital bills a so high.” Some sentences also contain faulty construction, such as “so and the hospital bills a so high.” Practise forming accurate subject–verb patterns and past-tense narratives, and proofread sentence boundaries and punctuation. Building reliable simple sentences first will help you use longer structures more accurately.

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