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 task and maintains a clear position throughout. The ideas are relevant, such as financial security, early retirement, and handling emergencies. However, the development of these ideas is somewhat superficial. For instance, the point about 'charity' is mentioned but not expanded upon, and the examples provided, such as the uncle's situation, are a bit simplistic. To reach a higher band, you should aim to provide more depth and nuance to your arguments rather than listing many points briefly. The conclusion is also quite abrupt and lacks a summary of the main points discussed.
Coherence and Cohesion — Band 6.0
The essay is organized into logical paragraphs, and there is a clear progression of ideas. You use cohesive devices such as 'Firstly', 'Secondly', 'Furthermore', and 'In addition' to link your points. However, some of these transitions feel mechanical or repetitive, particularly the use of 'As a result' twice in the same paragraph. Additionally, the referencing is sometimes slightly unclear, and the flow between sentences could be smoother. Improving the variety of your linking words and ensuring that each paragraph has a clear topic sentence would enhance the overall coherence.
Lexical Resource — Band 5.5
The vocabulary is generally adequate for the task, allowing you to convey your meaning clearly. You use some topic-specific terms like 'financial problems', 'savings', and 'well-being'. However, the range is somewhat limited, and there is a reliance on basic vocabulary. There are also some minor collocation errors, such as 'making house' instead of 'buying a home' or 'building a house'. To improve, try to incorporate more sophisticated synonyms and idiomatic expressions to demonstrate a wider range of lexical control.
Grammatical Range and Accuracy — Band 5.5
You demonstrate a mix of simple and complex sentence structures. While the meaning is generally clear, there are frequent grammatical errors, such as 'he has not face any troubles' (should be 'had not faced') and 'there have no alternatives' (should be 'there are no alternatives'). Subject-verb agreement and tense consistency are areas that need attention. While these errors do not impede communication, they are frequent enough to prevent a higher score. Focusing on proofreading for basic tense and article usage would significantly improve your accuracy.
See this exact question answered at other band scores — the same prompt compared across bands.
Browse more IELTS Writing model answers or get your own writing scored by the same AI examiner.