Band 5.5 IELTS Writing Task 2 Model Answer
Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-08-22
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 argued by some people that saving money for the future is very crucial for everybody including young individuals. I completely agree with this argument.
There are several reasons which support the argument. Firstly, if everyone can save money for their future, they will feel relax about their future. Thus, they can live with happiness which has a positive effect on their well-being. Secondly, saving money for future anyone can retire early. As a result, they can enjoy their personal life by creating sweet moments with family members. As a result, they can strengthen their bonding with family. Moreover they can explore their hobbies by investing more time.
Furthermore, they can fulfill their dreams like buying cars, making house or buying property.
In addition, by saving money for future everyone can do charity which makes them a better human being. Besides, people can face any financial problems in future but if they have savings then they can solve those issues. For instance, my uncle has some financial issue because he has no jobs for several months but he has not face any troubles as he has savings. However, an accident can occur with anyone, then they may need a lot of money. Therefore, if they have any savings they can afford the cost. Besides, elderly people can face any types of health issues and they might require huge amount of money for treatment, but if they have savings then it will not be a burden.
In conclusion, money is very important in our life. So, there have no alternatives of saving money.
AI examiner evaluation
| Criterion | Band |
|---|---|
| Task Achievement / Task Response | 5.5 |
| Coherence and Cohesion | 6.0 |
| Lexical Resource | 5.5 |
| Grammatical Range and Accuracy | 5.5 |
| Overall | 5.5 |
Task Achievement / Task Response — Band 5.5
The response addresses all parts of the prompt, clearly stating a position in favor of saving money. The ideas are relevant, covering psychological benefits, retirement, and financial security. However, the development is somewhat superficial. For instance, the point about 'charity' is introduced but not linked back to the core argument of saving for the future effectively. The examples provided, such as the uncle's situation, are relevant but could be more deeply integrated to support the main argument. The essay maintains a consistent position throughout, but the depth of analysis remains at a basic level, preventing it from reaching higher bands.
Coherence and Cohesion — Band 6.0
The essay is organized into logical paragraphs, each with a clear focus. Cohesive devices such as 'Firstly', 'Secondly', 'Furthermore', and 'In addition' are used to signal the progression of ideas. However, the use of these devices is sometimes mechanical or repetitive, particularly the frequent use of 'As a result' and 'Besides'. Paragraphing is used appropriately to separate different themes. While the overall flow is coherent, the transitions between sentences within paragraphs could be smoother to improve the logical progression of the argument.
Lexical Resource — Band 5.5
The vocabulary is adequate for the task but lacks variety and sophistication. The student relies on basic terms like 'very crucial', 'sweet moments', and 'huge amount'. There are some inaccuracies in collocation, such as 'making house' instead of 'buying or building a home' and 'no jobs' instead of 'unemployed'. While the meaning is always clear, the range of vocabulary is limited, and there is little attempt to use less common or idiomatic expressions that would demonstrate a higher level of lexical control.
Grammatical Range and Accuracy — Band 5.5
The essay uses a mix of simple and complex sentence structures, but there are frequent grammatical errors. Examples include 'if everyone can save money... they will feel relax' (should be 'relaxed'), 'he has not face any troubles' (should be 'had not faced'), and 'there have no alternatives' (should be 'there are no alternatives'). While these errors do not impede communication, they are persistent throughout the text. A wider range of error-free complex structures is needed to achieve a higher band score.
See this exact question answered at other band scores — the same prompt compared across bands.
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