Band 4.5 IELTS Writing Task 2 Model Answer
Overall Band Score: 4.5 · Cambridge IELTS 19 · 2026-09-21
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 4.5)
It is very professional to every individual ,Mostly young generation make asset for securing future. I am agree with this statment as per my openion everyone should to save asset for future .
Well , nowadays people earn money and spend on unusefull things . unemployment rate become high in our country so everyone live in hustle and bustle .Govt should to run averness programe to educate young people for securing future . no one give gurantee about your future but one thing is important is planing .
When someone decide to plan about upcoming years of life and securing and build new asset . so actualy they secure future . they want to live indipanedent . they can enjoying retiement life . they pay medical bill in future if they are sick .
if someone save money they are planing for future goal fulfil children dram and wishes . my father told my about his friend who is very very inteleigent and hardworker when they young , In entire life they are struggle and build a empire with a great planing .now he is old children left the house but he is able to pay unwanted bill , like medical and other expense they can handle each and every thing. all the done by a great planing and save the money when he is young . he is not wasting money in young age
As per my openion every one save some money for future no body know about the future so just a good planing give you benifit in upcoming days .
AI examiner evaluation
| Criterion | Band |
|---|---|
| Task Achievement / Task Response | 5.0 |
| Coherence and Cohesion | 4.0 |
| Lexical Resource | 4.0 |
| Grammatical Range and Accuracy | 4.0 |
| Overall | 4.5 |
Task Achievement / Task Response — Band 5.0
The response addresses the prompt by expressing a clear position in favour of saving money for the future, supporting it with reasons such as independence in retirement and handling unexpected medical expenses. However, the development of ideas remains limited and somewhat repetitive. For instance, the discussion of the father's friend provides an illustrative anecdote, but the elaboration lacks the depth and extension required for higher bands. The arguments are presented rather broadly and drift into general statements about unemployment and government programmes. While all parts of the task are addressed, the ideas are under-developed, placing this response firmly in Band 5.
Coherence and Cohesion — Band 4.0
The essay displays basic overall organization, but there is no clear logical progression between paragraphs. The paragraphing is erratic, with several very short, disjointed segments instead of fully developed bodies of text. Cohesive devices are either missing or misused, resulting in a mechanical and choppy flow. For example, sentences frequently begin abruptly without proper transitional phrases, such as 'When someone decide to plan... so actualy they secure future.' Pronoun referencing and substitution are also faulty at times, making the relationships between ideas unclear. Overall, the structural framework is inadequate and shows characteristics of a Band 4.
Lexical Resource — Band 4.0
The vocabulary used is basic, repetitive, and heavily restricted. The student relies on elementary words and phrases like 'save money,' 'future,' 'good planing,' and 'unusefull things.' There are frequent word choice errors and incorrect word forms, such as 'make asset,' 'indipanedent,' 'averness programe,' and 'inteleigent.' Spelling mistakes occur throughout the text, including 'statment,' 'openion,' 'gurantee,' and 'hardworker.' These lexical limitations and frequent inaccuracies cause noticeable strain for the reader, aligning the vocabulary performance with a Band 4 descriptor.
Grammatical Range and Accuracy — Band 4.0
The grammatical range is extremely limited, consisting mostly of simple and frequently faulty complex sentence structures. There are persistent, major errors in basic grammar, subject-verb agreement, and tense consistency. Examples include 'everyone should to save,' 'everyone live in hustle,' and 'all the done by a great planing.' Punctuation is also problematic, with incorrect comma splices and missing periods. These numerous and recurring errors frequently impede communication and distort meaning, which is indicative of a Band 4 performance.
See this exact question answered at other band scores — the same prompt compared across bands.
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