Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-11-02

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)

Save physical currency is pivotal for individuals, including young generation, for their carrer. I strongly agree with this extent because savings are future earnings.

On the one hand, for survival money is very important thing. At every stage of life we can't survive without money. Money is very essential thing for fulfill our dreams in future. If we save money rightnow it can be very beneficial in future crisis. For instance, if i suffer from fatal disease in future so my savings become advantageous in medication and treatment. Therefore, saving money is a very good habit and become very useful in future.

Secondly, the good investment of saved money is also neccesary because it is also beneficial for our upcoming generation. For example, if I have good amount of money. as i getting older i have children and grandchildren in future so they have not worried about earnings and in critical circumtances they don't need someone's help.

On the other hand, people save money for their future but they don't use it correctly. They don't spend it properly in crisis. They save money but they haven't knowledge of investment. The good investment planning is also be very useful in future for people and their families.

In conclusion, save money with meticulous investment plan become advantageous for further life.

AI examiner evaluation

Task Achievement / Task Response: Band 5.5

Your position is clear in the opening: “I strongly agree,” and the response gives relevant reasons, including financial security during illness and support for future generations. These examples show an understanding of the topic. However, the ideas are only partly developed: the illness example is brief, and the point about investment is repeated without explaining how people should save or invest responsibly. The discussion of people who “don’t use it correctly” also introduces a qualification but does not clearly connect it to your overall agreement. The response is 32 words below the required minimum, which limits the space available to develop your reasons. Extend each main point with explanation and a specific example, and make your position consistent throughout.

Coherence and Cohesion: Band 5.5

The response has a recognisable structure: an introduction, supporting paragraphs, a contrasting point, and a conclusion. Sequencing phrases such as “On the one hand,” “Secondly,” and “In conclusion” help signal the stages of your argument. However, progression is not always clear. “On the other hand” suggests a contrasting position, but the paragraph mainly adds that savings need to be invested wisely; explain how this qualifies or supports your agreement. Some links are mechanical, and ideas such as future usefulness and family benefit recur without adding much development. Use clearer topic sentences and connect each example directly to the claim it supports. More precise referencing would also help readers follow who “they” refers to in the paragraph about future generations.

Lexical Resource: Band 5.5

You use relevant vocabulary for the topic, including “savings,” “investment,” “crisis,” and “treatment,” and phrases such as “critical circumstances” show an attempt to express more specific ideas. However, the range is limited and several word choices or collocations sound unnatural, sometimes making the meaning less clear. For example, “save physical currency” is narrower than the task’s idea of saving money, while “future earnings” does not clearly express your intended point. There are also noticeable spelling errors, including “carrer,” “neccesary,” and “circumtances.” Aim for accurate, natural combinations such as “build savings,” “financial security,” and “invest savings wisely.” Check spelling carefully and avoid repeating “very important” and “beneficial.”

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and more complex sentences, including conditional ideas such as “if I suffer from fatal disease in future” and “if I have good amount of money.” However, complex structures are often faulty, and errors occur frequently enough to make some sentences difficult to follow. Examples include “for fulfill our dreams,” “my savings become advantageous,” and “as i getting older i have children,” where infinitive forms, verb forms, and sentence construction need correction. Articles and agreement are also inconsistent, as in “a very important thing” and “investment plan become advantageous.” Use a reliable pattern for conditionals and check each sentence for a clear subject and correctly formed verb. Punctuation and capitalisation, especially “i,” also need attention.

See this exact question answered at other band scores. The same prompt compared across bands.

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