Band 5.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.0 · Cambridge IELTS 19 · 2026-10-15

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 5.0)

It is important for everyone, including young people, to save money for their future. saved money can help in future of any health, education and insidents. However, young individuals not understand a value of money they spent too much money on other things. I completly agree with this statment.

On the one hand, everyone should save the money from their salary, pocket money and any other resource of earning. Main reason for that is money is source for every thing like; food, cloth, accomadation, education. If in any condition resource of earning money is closed therfore, people may face problems in their life. For instance, University student who studying in abroad he spent too much money on their other things like partly, clubs and games thus, he face diffulties in rent, food and other eduactional purpose. As a result, saved money is benefical in any terms of problems.

On the other hand, Money is the crusial thing for life; people who saved money can buy any things which they needed. People saving money can benefical for their dreams like car, own house, hobbies. In addition, Money is helpful for any insidents like business losses, job loss, and any health incidents. for instance, employee who loss theit job can face many difficulty to live their without any other job hence, money play crusial role in this type of situation.

However, Goverment and privat industries sould encourage by PF. PF cuts money from employees salary and saved money in their pf account after job resignation ot retirement they can use it. As a result they cannot face any other problem after job loss.

In conclusion, Money is play the crucial role in our life and for necessary needs.

Saved money can benefical in our future for dreams and problems. Neverthless, in my point of view goverment should encouraging by PF or any funds. i totally agree with this view.

AI examiner evaluation

Task Achievement / Task Response: Band 6.0

Your position is clear: you state, “I completly agree,” and return to this view in the conclusion. You address several relevant reasons for saving, including meeting essential costs, coping with job loss or health problems, and funding personal goals. The examples of a student abroad and an employee losing a job help illustrate these points. However, some ideas are more fully addressed than others. The student example is difficult to follow, and the point about government or private employers encouraging saving through a provident fund is introduced late and not clearly connected to the main argument. Explain how young people in particular can benefit from saving, and develop each example with a clearer link to your position.

Coherence and Cohesion: Band 4.5

The response has a recognisable structure, with an introduction, two main discussion paragraphs, a further paragraph about provident funds, and a conclusion. This gives the reader a broad sense of the argument. However, progression between ideas is uneven, and some links are mechanical or unclear. For example, “On the one hand” and “On the other hand” suggest contrasting positions, but both paragraphs mainly support saving. The repeated use of “As a result” and “for instance” does not always show the precise relationship between claims and examples. The provident-fund paragraph also feels detached from the preceding discussion. Group related reasons together, use topic sentences to signal each paragraph’s purpose, and make references such as “this type of situation” more specific.

Lexical Resource: Band 5.0

You use a range of topic-related vocabulary, including “salary,” “accommodation,” “retirement,” “business losses,” and “educational purpose,” so the main subject is generally clear. There are also attempts at more formal expressions such as “crucial role” and “as a result.” However, spelling errors and inaccurate word choices are noticeable and sometimes make the reader pause: “insidents,” “diffulties,” and “benefical” are examples. Some combinations are also unnatural, such as “money is source for every thing” and “encourage by PF.” Aim for accurate, natural collocations and check spelling carefully. Replacing repeated general terms such as “things” and “problems” with more precise words would also make your ideas clearer.

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and more complex sentences, including conditional and cause-and-effect structures, as in “If in any condition resource of earning money is closed…” and “employee who loss theit job can face many difficulty…”. This shows an effort to express relationships between ideas, but some sentence patterns are not controlled, and errors can make meaning difficult to follow. For example, “University student who studying in abroad he spent…” has problems with the relative clause, verb form, and sentence structure. There are also recurring issues with articles, agreement, and tense, as in “Money is play the crucial role.” Practise building accurate sentences with one clear subject and verb, then add subordinate clauses. Review articles and subject–verb agreement, and use punctuation to separate complete ideas.

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