Band 5.0 IELTS Writing Task 2 Model Answer
Overall Band Score: 5.0 · Cambridge IELTS 19 · 2026-08-23
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)
According to my opinion, young people should save money for their future, and it is essential for everyone.
Furthermore, I am totally agreeing with statement because if we should save money its help us in every accidental movement and on the other hand those people who did not save money for future then they under dept causes the high level of stress. While saving money helps in difficult time and consequently makes you independent.
I have a very good example of my friend who save the money from his childhood and currently he lost his job, and he start a new business because have a handsome saving amount then now he is earning well.
Another example I have of my cousin who operate the tumor of her mother from his savings, and he would restrict from loan.
Although saving for future is very good step for young and its develop discipline for spending their money on right way and its helps to gain confidence and better initiative. Nevertheless, it is very good habit which help young people to secure their future.
On the other way those individuals who did not save the money for their future then he is looking for the loan when any unprecise seen occur in their life which causes too dependent on other people decisions.
In conclusion we should limited our daily bases requirements and save money to get better future and to face any unconditional situation in life.
AI examiner evaluation
| Criterion | Band |
|---|---|
| Task Achievement / Task Response | 5.0 |
| Coherence and Cohesion | 5.0 |
| Lexical Resource | 5.0 |
| Grammatical Range and Accuracy | 5.0 |
| Overall | 5.0 |
Task Achievement / Task Response — Band 5.0
The response addresses the prompt by agreeing with the importance of saving money. However, the essay is under the 250-word minimum, which negatively impacts the development of ideas. While you provide two personal examples, they are somewhat brief and lack depth. The position is clear, but the overall development is limited by the length and the lack of a more formal, academic tone. To improve, ensure you expand on your arguments with more detailed explanations and reach the required word count to fully explore the topic.
Coherence and Cohesion — Band 5.0
The essay is organised into paragraphs, which is a positive step. However, the use of cohesive devices is often mechanical or inaccurate, such as 'On the other way' and 'In conclusion we should limited'. The progression of ideas is sometimes disjointed, making it difficult for the reader to follow the flow of your argument. You need to use a wider variety of linking words and ensure that your referencing (e.g., 'he' vs 'they') is consistent and clear throughout the text.
Lexical Resource — Band 5.0
The vocabulary is generally basic and repetitive. There are several instances of word-choice errors and awkward collocations, such as 'accidental movement' instead of 'unforeseen circumstances', 'under dept' instead of 'in debt', and 'operate the tumor' instead of 'pay for the surgery'. While the meaning is generally conveyed, the range is limited, and the lack of precision hinders the sophistication of your argument. Focus on learning topic-specific collocations related to finance and personal development.
Grammatical Range and Accuracy — Band 5.0
There are frequent grammatical errors throughout the essay, including subject-verb agreement issues ('he start', 'it helps', 'he would restrict') and tense inconsistencies. The sentence structures are mostly simple, with limited attempts at complex sentences, and those that are attempted often contain errors. Punctuation is also inconsistent. To improve, work on mastering basic sentence construction, specifically focusing on verb tenses and subject-verb agreement, before attempting more complex structures.
See this exact question answered at other band scores — the same prompt compared across bands.
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