Band 5.5 IELTS Writing Task 2 Model Answer
Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-10-06
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)
In this fast pace world, everyone is saving money for their future, including young individuals. Saving money is always the side hobby for many people of every age. I totally agree with this statement, but only for young people to save money for their future.
On one hand, every young individual should save money for their future because young people need most of this money in future. For example, a young person starts a business at the age of 20 and he runs this business for almost 10 years. Accidently, his business fall apart and he looses everything he gained and his struggle of 10 years. If this person save money during those 10 years period, he has a backup and have a good amount of savings to start a new business or work. Moreover, if a person was 50 years old and this tragic thing happens to him. Then, he had 30 years of saving that is more than enough.
On the other hand, if a person is too old and sick and he is still saving money for his or her future then i think it is not worth it because he don't know how long he lives. Rather than saving money they should spend more money on themselves, and enjoy every moment of their life.
Overall, young indviduals should save money for their future because it helps them to spend a life instead of having nothing on last. Senior citizens do'nt have to save money they just have to spend money and spend a healthy life.
AI examiner evaluation
| Criterion | Band |
|---|---|
| Task Achievement / Task Response | 6.0 |
| Coherence and Cohesion | 5.5 |
| Lexical Resource | 5.0 |
| Grammatical Range and Accuracy | 5.0 |
| Overall | 5.5 |
Task Achievement / Task Response: Band 6.0
Your position is clear: you agree that young people should save, while arguing that older people should prioritise enjoying their money. The business example gives a relevant reason for saving and shows how a financial reserve could help after a setback. However, the response does not fully explain the broader claim about “everyone”: the opening says everyone saves, but the conclusion excludes senior citizens, and the distinction between older adults and people who are “too old and sick” needs clearer qualification. The example is also somewhat hypothetical and its point about a 50-year-old having “30 years of saving” is not fully explained. Develop both sides more evenly and clarify the limits of your position. The response meets the stated length requirement; eight words copied from the prompt were not counted. (8 words copied from the task prompt were not counted.)
Coherence and Cohesion: Band 5.5
The response has a recognisable structure: an introduction, two contrasting body paragraphs signposted by “On one hand” and “On the other hand,” and a concluding paragraph. This makes the main position easy to locate. However, progression within the argument is uneven. The business scenario moves from a young entrepreneur to a 50-year-old without clearly connecting that comparison to the main point, and the second body paragraph shifts from older people to those who are sick without explaining the distinction. Some linking is mechanical, and the conclusion largely repeats the earlier claims rather than drawing them together. Use clearer topic sentences and refer explicitly to the relationship between each example and your argument; this would make the organisation more coherent and cohesion less repetitive.
Lexical Resource: Band 5.0
You use enough topic-related vocabulary to communicate the main ideas, including “backup,” “savings,” “business,” and “senior citizens.” There are also attempts at more specific expressions, such as “tragic thing” and “runs this business.” However, the range is limited and several choices are unnatural or imprecise, which sometimes makes the reader pause. For example, “side hobby” does not express the intended idea of a common practice, while “spend a life instead of having nothing on last” is difficult to interpret. Spelling errors such as “Accidently,” “looses,” and “indviduals” also reduce accuracy. Build a more precise range for discussing financial security and retirement, and check spelling and collocations carefully.
Grammatical Range and Accuracy: Band 5.0
You attempt both simple and longer sentence forms, including conditional structures such as “If this person save money…” and a contrast introduced by “Rather than.” These attempts help convey cause and consequence, but control is inconsistent, and errors sometimes make relationships between ideas unclear. Examples include “his business fall apart,” “he looses everything,” “he has a backup and have,” and “he don’t know how long he lives”; these show problems with tense, agreement, and verb forms. The sentence beginning “Moreover, if a person was 50 years old…” also shifts awkwardly between past and present time. Practise accurate conditional patterns and subject–verb agreement, and proofread each sentence for consistent tense. Greater control of these structures would make your argument easier to follow.
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