Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-08-08

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)

There is a an ongoing debates on whether every person should save their own money for their future or for retirement. Others argue that young people don't need to save money as government managed pension funds will taking care of everyone in society as long as they works and contributed parts of their salary into the pension funds.

This essay will discuss why I believe saving money for different purpose or future is essential for everyone.

Firstly, saving money is a excellent habit to have since it can gives us several benefits like financial safety net and prepare ourselves for future goal. Funds that we saved may helps us pay off the sudden emergencies such car accidents or personal injury bills so that we can avoid fell into debt trap. People often suggest that we should save three to six months living cost for emergencies such as accidental job loss and medical needs. Further more, people should spend their money wisely and avoid big purchase such as buying luxury car or expensive electronic applicance with loans to prevent fell into debt traps.

Secondly, saving money also come with future pros and benefits. A well know benefits is lack of financial stress

AI examiner evaluation

Task Achievement / Task Response — Band 5.0

The response fails to meet the minimum word count requirement of 250 words, which significantly impacts the development of ideas. While you clearly state your position in the introduction, the essay is incomplete. The second body paragraph is cut off after only one sentence, and the conclusion is entirely missing. Because the response is under-length and lacks a full discussion of the topic, it cannot be considered a fully developed argument. To improve, you must ensure you provide a complete essay structure with a clear introduction, two or three well-developed body paragraphs, and a summary conclusion.

Coherence and Cohesion — Band 5.5

The essay shows some attempt at logical organization through the use of transition signals like 'Firstly' and 'Secondly'. However, the progression is interrupted by the incomplete nature of the text. Paragraphing is present, but the second paragraph is underdeveloped and lacks a concluding thought. Referencing is generally clear, but the lack of a cohesive conclusion makes the overall structure feel fragmented. To achieve a higher band, ensure that each paragraph contains a topic sentence, supporting evidence, and a concluding sentence that links back to the main argument.

Lexical Resource — Band 5.5

The vocabulary is generally adequate for the task but lacks variety and precision. You use some relevant terms like 'financial safety net' and 'debt trap', which is positive. However, there are several errors in word form and collocation, such as 'a excellent habit' (should be 'an excellent habit') and 'big purchase' (should be 'large purchases'). The range is somewhat limited, and the repetition of basic words hinders the sophistication of the writing. Focus on using more precise academic vocabulary and ensuring correct word forms.

Grammatical Range and Accuracy — Band 5.0

There are frequent grammatical errors throughout the text that occasionally impede the flow. Examples include subject-verb agreement issues like 'it can gives us' (should be 'it can give us') and 'funds that we saved may helps us' (should be 'may help us'). Additionally, there are errors with verb forms, such as 'avoid fell into' (should be 'avoid falling into') and 'government managed pension funds will taking care' (should be 'will take care'). While you attempt some complex structures, the high frequency of basic errors suggests a need for more careful proofreading and practice with verb tenses and gerunds.

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