Band 5.0 IELTS Writing Task 2 Model Answer
Overall Band Score: 5.0 · Cambridge IELTS 19 · 2026-08-11
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 5.0)
It significant for every individual, especially young individuals, that they should reserve money. What is the significance of money and how storing money will help us in upcoming days this will be deliberated in this essay.
In conclusion i will write my perspective.
In this contemporary society numerous individuals do not understand how crucial money is in addition how hoarding can save them from detrimental situation. Numerous individuals are not well aware about how the world works as result they get stuck in terrible scenarios. A men without money is called broke because he is unable to have least facilities to live a normal life in addition without money can not have anything not even food. Currency is not just a piece of paper it with money you can buy a house or a car on more vital thing if young individuals commence to gather funds in their teenage year. They will less likely to be worried about their student loans. Setting some money aside can assist us in several sudden circumstances such as you are in an accident or going on a surprise event. When an individual have reserves he have options but when he is occupied he have no choice. Capitalism is a privileged for individuals to grow and improve their lifestyle.
In my perspective every individual mostly young generation are supposed to scrimp and save in order to get financial freedom. This is essential and government is supposed to educate the youngsters. Young individuals should be passionate about generating fund.
AI examiner evaluation
| Criterion | Band |
|---|---|
| Task Achievement / Task Response | 5.5 |
| Coherence and Cohesion | 5.0 |
| Lexical Resource | 5.0 |
| Grammatical Range and Accuracy | 5.0 |
| Overall | 5.0 |
Task Achievement / Task Response — Band 5.5
The response addresses the prompt by expressing a clear position on the importance of saving money. However, the development of ideas is somewhat superficial. While you mention student loans and emergencies, the arguments lack depth and specific examples. The introduction is repetitive and the conclusion does not effectively summarize the main points, instead introducing new, slightly disconnected ideas about government education. To improve, ensure each paragraph focuses on a single, well-supported argument with concrete examples or logical explanations that directly relate to the prompt's focus on young people and future security.
Coherence and Cohesion — Band 5.0
The essay is organized into paragraphs, but the logical progression is weak. The introduction is disjointed, and the transition between the introduction and the body is abrupt. Cohesive devices are used, but they are often mechanical or misused, such as 'in addition how hoarding' or 'as result'. Referencing is sometimes unclear, making it difficult to follow the flow of your argument. To reach a higher band, focus on using a wider variety of linking words more naturally and ensure that each sentence logically follows the previous one to create a cohesive argument.
Lexical Resource — Band 5.0
The vocabulary is generally limited and repetitive. You rely on basic terms like 'money' and 'individuals' throughout the text. There are also issues with word choice and collocation, such as 'hoarding' (which often has a negative connotation) instead of 'saving', and 'occupied' instead of 'broke' or 'in debt'. Some phrases are awkward, such as 'detrimental situation' and 'generating fund'. To improve, try to incorporate more precise vocabulary related to finance, such as 'financial stability', 'emergency fund', or 'long-term investment', and ensure you use words in their correct context.
Grammatical Range and Accuracy — Band 5.0
There are frequent grammatical errors that occasionally impede communication. Issues include subject-verb agreement ('an individual have', 'he have options'), missing articles ('A men without money'), and incorrect sentence structures ('It significant for every individual'). The range of structures is limited, consisting mostly of simple sentences with some attempts at complex ones that are often grammatically flawed. To improve, focus on mastering basic subject-verb agreement and the correct use of articles. Proofreading for these common errors will significantly improve the clarity and accuracy of your writing.
See this exact question answered at other band scores — the same prompt compared across bands.
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