Part 3

Band 5+: What role, if any, should schools play in teaching students about personal finance and investment?

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79% Accuracy The overall pronunciation accuracy of your speech, reflecting how well a native speaker can comprehend it.

Polished transcript:

Male Female

I think apart from parents, school also plays an important role in helping kids understand financial management because when kids know how to manage their money, it is very important. In the future, if kids are not taught right, they will spend their money buying things they don't need and might miss what is essential to their life. School helps students build a strong connection towards money saving, and I think schools have a good impact on financial management.

Actual audio transcript (What native speakers are likely to hear):

I think apart from the parents, school is also an important role to help kids understand financial management because when kids know how to manage their money and this is very important because in the future if kids is not treated right they will spend their money buying things they don’t need and what is very essential to their life they might miss it and school helps students build a strong connection towards money saving and I think school players have a good impact on the financial management.

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Speaking Time: 32 seconds

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Overall Band Score

5.5

(+/- 0.5)

Vocabulary Complexity:
B2 - Upper Intermediate
Opt for even more advanced words when appropriate.

Vocabulary Repetition:

kids: 3

their: 3

money: 3

think: 2

school: 2

important: 2

financial: 2

management: 2

Try using synonyms for the above words

Pronunciation

Your pronunciation is quite good. Working on consistency and tackling difficult sounds may enhance clarity.

Task Response

The answer stays on topic and addresses the role of schools in financial education. However, it could be more fully developed by discussing specific ways schools can teach financial management, such as through dedicated courses or practical activities. The response also tends to focus on personal opinion rather than a general perspective. To improve, provide a broader view and more concrete examples.

Fluency & Coherence

The answer is somewhat coherent but contains noticeable repetition and self-correction. The ideas are not fully developed, and there is a lack of clear progression. To improve, organize your thoughts before speaking, use linking words to connect ideas, and avoid repeating phrases like 'I think'.

Lexical Resource

Vocabulary is adequate but limited and imprecise. Phrases like 'strong connection towards money saving' are awkward. Use more precise terms such as 'financial literacy', 'budgeting', or 'saving habits'. Avoid vague expressions like 'treated right'.

Grammatical Range & Accuracy

Grammar is mostly simple with some errors. For example, 'if kids is not treated right' should be 'if kids are not taught properly'. There is inconsistent use of singular/plural. Practice using a wider range of structures, such as conditionals and relative clauses, and ensure subject-verb agreement.

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