Band 6.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.0 · Cambridge IELTS 19 · 2026-10-09

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 6.0)

People especially younger one's, often hear that they should avoid unnecessary spending and instead save money for their future. I strongly disagree with this because the real monetary value decreases after some period of time due to inflation and you can also avoid the taxes.

After every some period of time government print new notes to circulate the money into the community. Whenever new currency is printed, its real monetary value decreases which is known as inflation. So if a person is not investing his earned money into real estate, banking sector or into a businesses then he is loosing a substantial amount of opportunities, from which he could have earned a lot more whereas if he only saves the money then his buying power will be different compared in the future to the time when he earned it. For example, a car that used to cost 20 lakhs rupees is now worth for approximately 35 lakhs due to the inflation.

Every year each individual has to file his returns to government in which he has to declare all of his assets such as cash in hand, money in banks, properties and many more truthfully to the government against which he is charged taxes on it. Many people have found a way to avoid these taxes. If you don't keep money into the banks and instead invest that money into the stock's of other businesses. Since government cannot charge any taxes on the stocks you hold but on the money that is in your hand, you can easily evade the taxes and also at the same if the stocks goes up, your money is worth more compared to before. For example, all of the billionaires such as elon musk hold majority of their money as stocks due to which they don't have to pay taxes on it and whenever they need money, they simply sell those stocks.

In conclusion, saving up money seems to appear a best decision for the future of everyone especially younger people but instead due to inflation the real buying power and monetary value decreases and at the same time he is missing a good opportunity to avoid paying money to government in form of taxes.

AI examiner evaluation

Task Achievement / Task Response: Band 6.0

Your position is clear from the opening: you disagree with the statement and argue that investing can protect wealth from inflation and reduce tax liabilities. Both points are relevant, and the examples of rising car prices and billionaires holding shares help illustrate them. However, the response does not fully explore the statement’s focus on why everyone, including young people, should save for their future. The discussion largely treats saving as keeping cash and does not distinguish this from saving through investments or explain circumstances in which a reserve fund is useful. The tax argument is also presented too broadly and needs qualification. Develop these points with more balanced reasoning and precise support so that all aspects of the question are addressed more fully.

Coherence and Cohesion: Band 6.0

The response has a clear overall structure: an introduction states your view, two body paragraphs present separate reasons, and a conclusion restates your position. The examples are placed alongside the relevant arguments, which helps the reader follow the discussion. However, progression within the paragraphs is sometimes mechanical, particularly through repeated use of “So,” “Whenever,” and “For example.” Some links between claims are not fully clear: the move from inflation to investing, and then from holding shares to avoiding taxes, would benefit from explicit explanation. References such as “it” in “charged taxes on it” and “he” in the conclusion are also not always precise. Use a wider range of linking methods and make relationships between claims explicit.

Lexical Resource: Band 6.0

You use an adequate range of topic-related vocabulary, including “inflation,” “monetary value,” “buying power,” “assets,” and “stocks.” These terms allow you to discuss the financial topic and communicate your main ideas. There are, however, some inaccurate or unnatural choices and collocations, such as “real monetary value decreases” where “purchasing power falls” would be more natural, and “avoid the taxes” where “reduce their tax liability” is more precise. Spelling and word-form errors, including “loosing” and “stock’s,” also affect accuracy. Aim to use financial terms precisely and check spelling, possessives, and collocations; this will make your argument sound more controlled and credible.

Grammatical Range and Accuracy: Band 5.5

You attempt a mix of simple and complex sentences, including conditional structures such as “If you don't keep money into the banks … you can easily evade the taxes” and longer explanations of cause and effect. The main meaning is generally understandable, but some grammatical errors recur. For example, “After every some period of time” has an incorrect determiner pattern, “a businesses” has article and number disagreement, and “the stocks goes up” has subject–verb disagreement. There are also problems with sentence construction and punctuation in the long sentence beginning “If you don't keep money…,” which combines several claims without clear boundaries. Review articles, agreement, and sentence boundaries, and edit complex sentences for clarity.

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