Band 5.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.0 · Cambridge IELTS 19 · 2026-09-07

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)

Part-2

In this current period, all people want to save money for buy their personal things and what they count but very few people think about future savings specially youngsters. I fully agree with this statement.

To begin with, Today, our parents have some amount of money in their bank accounts, they save them when we are child, parents want smooth future and save money for future emergencies such as education related, hospital related and for their children marriage life, there are many people now invest their money on stoke, shares and many more places rather than deposit them in the bank they believe that, bank pay small amount of money in end of the period but in long term investment such as, mutual funds, shares and stokes, they earn more money and they have a right to decide when they want to sale.

Moreover, in past people save money in large scale because their needs and counts are limited but today people have their dreams to buy luxury items like. smartphones, cars, house and small items which is

limted change the life style of adults, youngsters are not save money for their future emergency, furthermore in stocks shares and mutual funds the level of risk are high but in bank such as deposits, FD and savings accounts are much lover, in addition savings are good for later life, it secure our life and support in hard time, parents have to teach their childrens, how to keep some amount of money for futher use, so their loved onces spend limited amount of money and save for their better future. because problems come from everywhere and we have to plan to fight against them.

To sum up, parents should have to teach their children that saving money is good habbit to avoid future risk and if coming so it helps them to fight.

AI examiner evaluation

Task Achievement / Task Response — Band 5.5

The response addresses the prompt by clearly stating a position in favor of saving money. However, the development of ideas is inconsistent. While you mention the importance of saving for emergencies and education, the discussion regarding investment types (stocks, mutual funds) is somewhat tangential and distracts from the core argument about the necessity of saving for the future. The explanation of why young people specifically should save is somewhat under-developed, relying heavily on the idea that parents should teach them rather than exploring the benefits of financial independence for the youth themselves. To improve, ensure each paragraph directly supports your main thesis.

Coherence and Cohesion — Band 5.0

The essay is organized into paragraphs, but the flow between ideas is often mechanical or disjointed. You use some cohesive devices like 'To begin with' and 'Moreover', but the internal structure of the paragraphs is weak. For example, the second paragraph contains a long, run-on sentence that jumps between parental savings, investment types, and bank interest rates, making it difficult to follow the logical progression. Referencing is sometimes unclear, and the transition between the concept of 'luxury items' and 'future emergencies' in the third paragraph is abrupt. Better use of linking words and clearer sentence boundaries would improve the overall coherence.

Lexical Resource — Band 5.0

The vocabulary range is limited and often repetitive. You frequently use basic terms like 'money', 'save', and 'things'. There are also several instances of incorrect word choice or awkward collocations, such as 'counts are limited' (instead of needs), 'stoke' (instead of stocks), and 'lover' (instead of lower). While the meaning is generally conveyed, the lack of precision and the presence of spelling errors (e.g., 'habbit', 'onces', 'futher') indicate a need for a wider range of vocabulary and more attention to accurate spelling and word formation.

Grammatical Range and Accuracy — Band 5.0

The essay relies heavily on simple sentence structures and contains frequent grammatical errors. There are significant issues with subject-verb agreement, such as 'youngsters are not save money' and 'the level of risk are high'. Punctuation is also problematic, with many sentences being comma-spliced or lacking necessary full stops, leading to run-on sentences that impede readability. While you attempt some complex ideas, the lack of control over basic grammar and sentence construction significantly affects the clarity of your writing. Focusing on basic sentence structure and proofreading for subject-verb agreement would be highly beneficial.

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