Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-10-13

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)

Future is depends on what an individual investing on their present. A person can achieve financial independence in their future to set a long term financial goal when they were young. It is important for individuals include adults to save money for their future. In this essay, I partcially agree with the above mentioned notion and establish my opinion that, it helps them to built a strong foundation , whereas partcially disagree as not everyone have a basic earnings to save for future.

To begin with, wealth is depends on how an individual spend their money in different ways. Saving money regularly helps individuals to achieve financial stability and prepare for unexpected expenses. For adults, it hep them to invest in numerous business that doubled their savings . For instance, in future , adults can use their money to investing on trade markets and earn more amount than invested. Thus , saving money habits have numerous advantages in the future of an adult.

However, not everyone can save money for future because most of the people including adults are now working for daily wages. It is okay for these adults spend money for themselves after bearing heavy financial burdens. Life is also for some enjoyments. For example, after paying bills for households ,some people only have a minimum balance and it is okay for an individual to spend money for their needs like shoes or cloths . Therefore , saving money is depends on the basic income.

To conclude, there are some advantages for individuals saving money for future such as it help them to be indipendent , while there is also some factores that not everyone can have he financial background and earnings for saving money . Therefore , i particially agree with the above mentioned notion for above mentioned reason as well as partcially disagree.

AI examiner evaluation

Task Achievement / Task Response: Band 5.5

Your position is identifiable: you partly agree because saving can support financial independence, while people on low or daily wages may not have money left to save. Both sides are relevant, and the examples about investing and paying household bills help address the question. However, the discussion remains general and some points are not fully explained. For example, the claim that adults can invest in trade markets and increase their savings is asserted without explaining the risks or how this applies to young people, who are central to the prompt. The conclusion repeats your partial agreement but does not add a clear qualification. Develop the reasons with more specific explanation and keep the focus on why saving matters for everyone, including young people.

Coherence and Cohesion: Band 6.0

The response has a clear overall arrangement: an introduction, two contrasting body paragraphs, and a conclusion. The progression from the benefits of saving to the difficulty faced by people with low incomes is easy to follow, and signposts such as “To begin with,” “However,” and “To conclude” make the structure visible. At times, though, cohesion is mechanical or unclear. The opening sentence, “Future is depends on what an individual investing on their present,” does not establish the argument clearly, and repeated phrases such as “for future” and “above mentioned notion” make the links feel repetitive. Some references, including “it” in “it help them,” are not immediately clear. Use more precise links between claims and examples, and make each paragraph’s main point explicit.

Lexical Resource: Band 5.0

You use a range of topic-related vocabulary, including “financial stability,” “unexpected expenses,” “financial burdens,” and “daily wages,” which helps communicate the main ideas. However, the range is limited and several noticeable word-choice, collocation, word-form, and spelling errors make parts of the response less natural or occasionally difficult to understand. Examples include “investing on trade markets,” “earn more amount,” “cloths,” and “indipendent.” Repeated use of “save money,” “future,” and “individual” also limits flexibility. Aim to learn common word partnerships and check spelling and word forms carefully. More precise expressions for income, saving, and investment would make the argument clearer and more appropriate for an academic essay.

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and more complex sentences, including a contrast introduced by “whereas” and a reason clause beginning “because.” However, control is inconsistent, and errors in verb forms, agreement, articles, and sentence construction occur frequently enough to make some sentences difficult to read. For example, “Future is depends” combines incompatible verb forms, while “wealth is depends on how an individual spend” has errors in both the verb pattern and subject–verb agreement. The sentence beginning “In this essay” is also difficult to follow because its clauses are not clearly constructed. Practise building accurate basic sentences first, then add subordinate clauses. Check that each subject has the correct verb form and that sentence boundaries and punctuation clearly separate ideas.

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