Use the FMA$1$ and$/$or Sorted$2$ tool $($and any further research$)$ to choose which KiwiSaver fund you would recommend for the following scenarios. Explain the reason why you chose the fund and any drawbacks if there are any. $($Maximum $200$ characters per scenario$)$

a$)24-$year old Otago graduate who has just started a job as a geologist.

b$)58-$year old business owner, who essentially has enough in his KiwiSaver to meet his retirement needs.

c$)34-$year old sole$-$income earner with a partner and a young child.

d$)60-$year old multi$-$millionaire who$$s KiwiSaver fund is a negligible part of their port$-$ folio.