Band 4.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 4.5 · Cambridge IELTS 19 · 2026-10-19

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 4.5)

Life is a name of experiences, some are good some are bad.In this rapidly growing world, it is crucial for everyone to save money for their future.But some people think that saving money is useless well, I explain both of these views in following passages any people think that everyone, including young ones should save money for their future.they think that saving money for future is much more important than anything else.To some extent this statement is true I have seen a real example of a family who survived only because of their saved money.Actually, there was an uncle whose family used to live near our house.Uncle was very sweet and kind-hearted person.After his retirement from army, he got diagnosed with cancer, he only survived because of money he saved during his professional life.

AI examiner evaluation

Task Achievement / Task Response: Band 4.0

You show a relevant position by saying, “To some extent this statement is true,” and your example of a retired soldier whose savings helped him survive cancer supports the value of saving. However, the response addresses the task only minimally: it does not explain your position in enough detail, develop a contrasting view, or give a clear conclusion. The opening says you will explain “both of these views,” but the response presents only the benefits of saving. The required minimum of 250 words is not met; at 134 words, there is too little space to develop reasons and examples. To improve, state your degree of agreement clearly, explain more than one reason, and connect each example directly to your argument.

Coherence and Cohesion: Band 4.5

There is a basic attempt to guide the reader: the opening introduces the topic, and phrases such as “To some extent” and “Actually” signal the writer’s direction. The family story also gives the response a recognisable central example. However, ideas are not arranged into clear paragraphs, and the promised discussion of “both of these views” does not follow. The transition from the general introduction to “any people think” is abrupt, while the final sentence ends the example without summarising the argument. Some linking is also mechanical rather than showing precise relationships. Organise the response into an introduction, separate reason paragraphs, and a conclusion; use transitions that accurately show contrast, cause, or example.

Lexical Resource: Band 5.0

You use some topic-relevant vocabulary, including “save money,” “future,” “retirement,” and “diagnosed with cancer,” and “kind-hearted” adds a descriptive detail to the example. Overall, however, the range is limited and several expressions are repetitive or imprecise, such as repeated references to “saving money” and “future.” Phrases including “Life is a name of experiences” and “saved money” do not sound natural in this context, and “professional life” is less precise than wording about employment or a career. These choices do not prevent the main idea from being understood, but they restrict clarity and flexibility. Build a wider set of accurate phrases for financial security, emergencies, and long-term planning, and check collocations when revising.

Grammatical Range and Accuracy: Band 5.0

The response attempts some longer sentence forms, for example, “After his retirement from army, he got diagnosed with cancer,” and uses a relative clause in “a family who survived only because of their saved money.” However, the range remains limited, and errors in sentence boundaries, articles, and clause construction occur frequently enough to affect fluency. The opening joins several independent ideas with commas and no spaces after full stops (“bad.In”), while “there was an uncle whose family…” is awkwardly structured. Articles are also missing in “was very sweet and kind-hearted person.” Use full stops to separate complete thoughts, check articles and prepositions, and practise combining clauses accurately rather than joining several ideas with commas.

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