Band 4.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 4.5 · Cambridge IELTS 19 · 2026-11-12

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 4.5)

Savings are important for everyone as well as the young generation, however It can be used in their future. I believe that these savings plays a significiant role in all individuals life. Yet there are some disadvantages of it, whether in a virtuas way or an harmful way.

Many people especially our alders used to save their money, they usually keep the 20% of their money for emergency such as medical crises, sudden job losses and even home repair. It helps to keep a person in discipline, however it helps a person to avoid different debt. Young people can save the money, which they earn from part time jobs or even from their pocket money by which they can support their education feeses, furthermore their own expences.

There are some cons of securing money

AI examiner evaluation

Task Achievement / Task Response: Band 4.0

You identify the topic and give a broadly supportive view, saying savings “play a significant role,” and you offer relevant reasons such as preparing for medical emergencies, job loss, and education costs. However, the response addresses the question only partially: your position on how far you agree is not stated clearly or maintained, and the promised discussion of disadvantages stops at “There are some cons of securing money.” The examples are brief and not explained, so the reader cannot see their wider significance. The response also does not meet the required minimum length, leaving the argument substantially incomplete. State your degree of agreement directly, then develop both your main reasons and any counterargument with explanation and a specific example.

Coherence and Cohesion: Band 4.0

There is a basic attempt to organise the response: the opening introduces savings, the next paragraph gives benefits, and the final line signals a possible discussion of drawbacks. Some links, including “furthermore” and “however,” show an effort to connect ideas. However, the ideas are not arranged into a complete, coherent argument, and the final paragraph is only a heading-like sentence rather than a developed point. Several links do not express the relationship clearly; for example, “however” joins ideas that appear to support one another. The response also lacks a clear progression from a stated position through reasons to a conclusion. Use separate paragraphs for your position, supporting reasons, and any opposing view, and make each paragraph develop one central idea.

Lexical Resource: Band 5.0

You use some relevant topic vocabulary, including “emergency,” “medical crises,” “job losses,” “part time jobs,” and “education.” This gives the reader a basic sense of the subject and shows an attempt to use more specific terms than general words such as “money.” However, the range is limited, and several spelling or word-choice errors make parts of the response difficult to interpret, such as “alders,” “virt u as way,” “significiant,” and “expences.” Some combinations are also unnatural, including “keep the 20% of their money” and “support their education feeses.” Build a more accurate range around budgeting and financial security, and check spelling and collocations. For instance, use “set aside 20% of their income” and “pay education fees.”

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and longer sentence forms, including a sentence that lists several reasons for saving and one beginning “Young people can save the money, which they earn…”. However, the range remains limited, and errors in agreement, sentence boundaries, and clause construction occur often enough to make some sentences hard to follow. For example, “these savings plays” has a subject–verb agreement error, while “Savings are important …, however It can be used” joins clauses incorrectly and has an inconsistent pronoun reference. The sentence beginning “Many people especially our alders used to save their money” also needs clearer punctuation and structure. Practise accurate compound sentences and relative clauses, and check agreement and punctuation before submitting.

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