Band 4.5 IELTS Writing Task 2 Model Answer
Overall Band Score: 4.5 · 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 4.5)
It is important for everyone including the young peoples and middleage peoples to save money for future. I agree it important because it is a investment for future.
In one hand i am agree with this statement. it is important cause saving money is a good habbit too from young age we need to start savings money and create accounts in bank and need to do life insurace too. Although it's helps in our hard situation and any things and happen in anytime. so if we became sick or we became the patients of any diease savings money can helps us to treatment that dieases and admit in hospitals. these money is useful in different ways like it can fullfill our desires and we can invest our money on gold because if we got in any difficult problem that need money we can sold that gold and solve that problem.
In other hand not everyone mindset is savings money especially young peoples cause teenagers want to travels in differents places and spend money on whatever things they need and. thought Good things in one way because life is unexpect and young peoples thinks it is a right age for exploring different places like hiking trekking with friends and spending moneys on goods like phone,clothes wants to enjoy this moments.
In conclusion there are both opinion are presented in the following.and the both agree and disagree have valid points like everyone should save money including young people cause it helps during the difficults time can treatment when got big dieases and investing money on golds rather t
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 discussing the importance of saving money for the future, including the perspective of young people. The writer takes a clear position of agreement, noting both the benefits of saving and the alternative mindset of youth. However, the ideas are relatively basic, underdeveloped, and repetitive, particularly in the body paragraphs. For instance, the discussion on medical emergencies and investing in gold is stated simply without deep elaboration. Furthermore, the final paragraph trails off incomplete ("ranch t..."). Despite these weaknesses, all parts of the prompt are touched upon. This performance aligns closely with Band 5, where the task is addressed, but ideas remain somewhat limited and under-developed.
Coherence and Cohesion: Band 4.0
The essay is divided into paragraphs, but the overall structure and logical progression are weak. While transitional phrases like "In one hand" and "In other hand" are attempted, they contain errors and do not properly guide the reader through a balanced argument. Cohesive devices are frequently repetitive, mechanical, or misused, such as dangling conjunctions and run-on sentences without adequate punctuation. Referencing is occasionally unclear, making it difficult to follow the flow of thought. Additionally, the essay ends abruptly mid-sentence, indicating poor control over paragraphing and closure. These features are characteristic of Band 4, where information and ideas are not consistently arranged in a coherent manner.
Lexical Resource: Band 4.0
The vocabulary used is basic and repetitive, frequently relying on simple words like "money", "things", and "good". There are numerous word-choice and collocation errors, such as "middleage peoples", "a investment", "savings money", "hard situation", and "big dieases". Spelling errors are also common throughout the response, including "habbit", "insurace", "diease", "unexpect", and "difficults". Although the meaning of some sentences can be understood, the frequent lexical errors and lack of a wider range of vocabulary restrict the response to Band 4, where vocabulary is basic and repetitive, causing strain for the reader.
Grammatical Range and Accuracy: Band 4.0
The response displays a very limited range of grammatical structures. Simple sentences dominate, and attempts at complex structures are consistently faulty, marred by missing verbs, incorrect pluralisation, and poor punctuation. Examples include "I agree it important because it is a investment for future" and "Although it's helps in our hard situation and any things and happen in anytime." Subject-verb agreement is frequently violated, and basic articles are often missing or misused. Errors are extremely frequent throughout the entire text, severely disrupting communication and matching the descriptors for Band 4, where errors are frequent and often distort meaning.
See this exact question answered at other band scores. The same prompt compared across bands.
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