People after retirement often require financial assistance. Should the government be responsible for this or should the individuals make provisions for themselves? Discuss both views and give your own opinion

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People

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often require financial

support

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after

retirement

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because their earning capacity declines significantly.

While

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some argue that

governments

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should be responsible for providing

this

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assistance

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, others believe that

individuals

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should prepare financially for their old age.

This

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essay will discuss both perspectives before arguing that

responsibility

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should be shared,

although

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governments

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should play the leading role in ensuring retirees enjoy a decent standard of living. On the one hand, many

people

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believe that

individuals

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should make provisions for themselves during their working years. Since

retirement

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is a predictable stage of life, employees have decades to save money, invest in pension schemes, and build financial security. If

people

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rely entirely on state

support

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governments

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may face an unsustainable financial burden, particularly in countries with ageing populations.

Furthermore

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, personal

responsibility

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encourages

individuals

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to manage their finances wisely and plan for the future.

For example

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, workers who regularly contribute to

retirement

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funds are often better prepared for unexpected expenses in old age than those who depend solely on public

assistance

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On the other hand

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, there are strong reasons why

governments

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should assume primary

responsibility

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for supporting retired citizens. Many

people

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spend their entire lives paying taxes and contributing to economic growth, and it is

therefore

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reasonable for society to

support

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them when they are no longer able to work.

Moreover

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, not everyone has the opportunity to accumulate sufficient savings. Low-income workers may struggle to set money aside,

while

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economic crises, inflation, or medical emergencies can quickly erode personal savings. Without government

assistance

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, many elderly

people

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could face poverty and an inadequate quality of life. State-funded pensions and healthcare programmes

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, therefore

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therefore

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therefore,

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serve as essential safeguards against financial hardship. In conclusion,

although

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individuals

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should take steps to prepare for

retirement

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governments

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have a greater

responsibility

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to provide financial

support

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for older citizens. A combination of personal savings and public

assistance

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is the most effective way to ensure financial security in

retirement

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Jun 7, 2026

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task response

For task response, your answer is full and clear. To get a higher score, add one more very clear real world example.

task response

For task response, your opinion is clear, but you can make it even stronger by showing exactly why the government should have the main role.

coherence and cohesion

For coherence and cohesion, your essay is easy to follow. To get a higher score, link one idea to the next in a more natural way, not only with basic signpost words.

coherence and cohesion

For coherence and cohesion, each main part has good support, but one or two ideas could be developed a little more.

task response

For task response, you answered both views and gave your own opinion clearly.

task response

For task response, your ideas stay on the topic all through the essay.

coherence and cohesion

For coherence and cohesion, your essay has a clear start, middle, and end.

coherence and cohesion

For coherence and cohesion, each body part has one main idea and this helps the reader.

Fully explain your ideas

To get an excellent score in the IELTS Task 2 writing section, one of the easiest and most effective tips is structuring your writing in the most solid format. A great argument essay structure may be divided to four paragraphs, in which comprises of four sentences (excluding the conclusion paragraph, which comprises of three sentences).

For we to consider an essay structure a great one, it should be looking like this:

Paragraph 1 - Introduction

Sentence 1 - Background statement
Sentence 2 - Detailed background statement
Sentence 3 - Thesis
Sentence 4 - Outline sentence

Paragraph 2 - First supporting paragraph

Sentence 1 - Topic sentence
Sentence 2 - Example
Sentence 3 - Discussion
Sentence 4 - Conclusion

Paragraph 3 - Second supporting paragraph

Sentence 1 - Topic sentence
Sentence 2 - Example
Sentence 3 - Discussion
Sentence 4 - Conclusion

Paragraph 4 - Conclusion

Sentence 1 - Summary
Sentence 2 - Restatement of thesis
Sentence 3 - Prediction or recommendation

Our recommended essay structure above comprises of fifteen (15) sentences, which will make your essay approximately 250 to 275 words.

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8
Linking words
meeting the goal of 7 or more
7
Word repetition
meeting the goal of 3 or fewer
2
Grammar mistakes
detected issues

0123456789.0505

Overall Band Score

Coherence and Cohesion: 5.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 6.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 7.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 7.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

4 paragraphs

316 words

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Topic Vocabulary:

financial assistance
retirement
provisions
governmental pension plans
social security
welfare programs
financial literacy
private pensions
savings accounts
investments
economic stability
poverty line
safety net
personal responsibility
incentivizing

What to do next:

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