Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-10-10

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)

It is considered that people should spend money wisey and save for their carrer, including yong people. I largely agree with this statement because it provides finacial security and help to achive long term goals.

Firstly, saving money helps people to deal with unexpected issuses. If people doesn't save money for facing emergency issuses such health concerns ,then they may struggle to cope with situation which can leads to major problems. When individuals finacial background is strong then they can deal with any consequences easily without depending on the other person finacial support. For example, person who met with accident can support finacially to themseleves without borrowing money from the reletives or friends. Hence, people should have certain amount money in their fixed deposit accounts to overcome unexpected problems.

Secondly, it support people to accomplish thier long term goals.If people have less amount of money with them, then they cannot support their dream which requires finacial investement. However, when people have enough m

AI examiner evaluation

Task Achievement / Task Response: Band 5.0

Your position is clear in the introduction: you “largely agree,” and you give relevant reasons about emergencies and long-term goals. The example of someone injured in an accident also helps illustrate the first point. However, the response addresses the task only partially because the second reason is left unfinished (“when people have enough m…”), and there is no conclusion or developed discussion of why saving matters specifically for young people. The ideas are therefore limited and under-supported. The response is also 87 words below the required minimum, which restricts how fully you can explain your position. Develop both reasons with specific explanation and examples, then summarise your view in a conclusion.

Coherence and Cohesion: Band 6.0

The response has a recognisable overall arrangement: an introduction followed by two body paragraphs, with “Firstly” and “Secondly” signalling the main points. This makes the direction of the argument easy to follow at first. However, the second paragraph ends mid-sentence, so the progression is incomplete, and there is no concluding paragraph to bring the argument together. Some links are also mechanical, particularly the repeated use of “If people…” and “then.” In the first paragraph, the relationship between saving and being able to manage an emergency is understandable, but the example could be connected more explicitly to the point. Complete each paragraph and use clearer referencing and varied transitions to improve cohesion.

Lexical Resource: Band 5.0

You use a small set of relevant terms, including “financial security,” “long term goals,” “unexpected issues,” and “fixed deposit accounts,” which shows an attempt to discuss personal finance specifically. However, the range is limited, and frequent spelling errors make the writing less clear, such as “wisey,” “carrer,” “finacial,” “achive,” and “investement.” Some word combinations are also unnatural: “support their dream” would be more naturally expressed as “fund their ambitions,” while “financial background is strong” does not precisely convey having savings. Build a more accurate range of topic vocabulary and check spelling carefully. Using precise terms such as “emergency fund,” “financial independence,” and “future expenses” would help express your ideas more naturally.

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and complex sentence forms, including conditional structures such as “If people… then…” and a relative clause in “person who met with accident.” These attempts show some range, but complex sentences are often faulty, and frequent errors can make the reader pause. For example, “If people doesn’t save” has subject–verb disagreement, while “which can leads” combines the wrong verb forms. Articles and sentence boundaries also need attention: “a person” and “an accident” require articles, and “long term goals.If” needs a space after the full stop. Practise checking agreement, verb forms, articles, and punctuation, and keep sentences complete—especially the unfinished final sentence.

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