Dear thangvietnam, Just a comment in relation to your comparison of options b and d. The structure “the intention of which” is idiomatic, so you cannot eliminate b on this basis. However, compare b and d. The only relevant difference is that d is much shorter. That’s the reason to eliminate b. As I mentioned in an earlier post on this topic, I don’t see a relevant change of meaning between a and d. The problem with a is the unidiomatic structure “with the intention to help”.
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GMAT Sentence Correction (SC) | Re: Many individuals invest in “monthly savings schemes”, with the
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