Band 5.5 IELTS Writing Task 2 Model Answer
Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-09-28
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)
Nowadays, unexpected situation such as coronavirus, earthquake, cold wars are going on and it creates financial crisis, so to survive in this situation savings play an very vital role. I strongly agree that everyone should do saving including young people because it provides financial safety.
On the one hand, human life is like roller coaster ride so one's need to ready to face any situation at any time. Here Money plays important role. Firstly, when a person is doing business or job they must need to prepare with the future problem such as market fluctuation or losing a job. Here during this financial crisis savings help us to reduce pressure or tension. Secondly, the most common emergency is medical which came at any point of life unexpected. During medical emergency saving not only gives financial safety but also helps to pass that situation without any fear to arranging the money. For example, during covid situation many people lose the job and many face financial crisis in business. Lastly, savings can be used during the natural disaster such as earthquake , Tsunami, Cyclone, and many more.
On the other hand, saving also helps individual to achieve there long term goal. For example purchasing house, retirement, for overseas education , business and many more. Moreover, savings from young age really help to acheive long term goal such as overseas education, and many more without dependent heavy on loans and it also provides financial independence.
In Conclusion, I strongly agree that people do savings including young people because it not only gives financial safety but also gives financial independence. And also also during unexpected situation.
AI examiner evaluation
| Criterion | Band |
|---|---|
| Task Achievement / Task Response | 5.5 |
| Coherence and Cohesion | 5.5 |
| Lexical Resource | 5.5 |
| Grammatical Range and Accuracy | 5.0 |
| Overall | 5.5 |
Task Achievement / Task Response: Band 5.5
The response addresses the prompt by clearly stating a position that everyone, including young people, should save money for their future. The main body paragraphs provide relevant reasons and examples to support this viewpoint, discussing unexpected emergencies like medical situations or natural disasters, as well as long-term goals such as purchasing a house or pursuing overseas education. While the ideas are relevant, some parts of the development are slightly repetitive, such as the repeated listing of examples like 'business and many more' and 'and many more'. The position is maintained throughout the essay, fulfilling the core requirements of Task 2. This performance aligns best with Band 6.
Coherence and Cohesion: Band 5.5
The essay displays a coherent overall arrangement with a clear introduction and conclusion. The student uses basic cohesive devices to signal progression, such as 'On the one hand', 'Secondly', and 'In Conclusion'. However, paragraphing is somewhat problematic; the first body paragraph is overly long and crams multiple distinct ideas together, and the conclusion contains repetitive phrasing and grammatical breakdown. Furthermore, referencing is occasionally unclear, such as 'which came at any point of life unexpected' and 'without dependent heavy on loans'. These cohesion and referencing flaws place the response at Band 5.5.
Lexical Resource: Band 5.5
The student demonstrates an adequate range of vocabulary for the task, successfully attempting less common items such as 'financial crisis', 'market fluctuation', 'financial independence', and 'natural disaster'. However, there are noticeable lexical and collocational errors throughout the text, including 'cold wars' instead of conflicts, 'play an very vital role', 'one's need to ready', and 'without dependent heavy on loans'. Word choice is sometimes imprecise, and spelling slips appear, such as 'acheive' instead of 'achieve'. These inaccuracies show an attempt at a broader vocabulary range while keeping communication generally clear, corresponding to a Band 6.
Grammatical Range and Accuracy: Band 5.0
The writer attempts a mix of simple and complex sentence structures, using conditional and relative clauses such as 'when a person is doing business... they must need to prepare' and 'savings that can be used during the natural disaster'. However, grammatical control is inconsistent. There are frequent errors in subject-verb agreement ('unexpected situation... are going on', 'medical which came'), missing articles ('lose the job', 'during covid situation'), and awkward word forms ('people do savings'). Although these errors do not completely impede communication, they are frequent enough to restrict the score to Band 5.0.
See this exact question answered at other band scores. The same prompt compared across bands.
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