There is never a wrong time to invest in mutual funds for retirement. So, if you're still looking for the best mutual funds, the Zacks Mutual Fund Rank can be a great guide.

The easiest, most reliable way to judge a mutual fund's quality over time is by analyzing its performance, diversification, and fees. The Zacks Mutual Fund Rank, which covers over 19,000 mutual funds, has helped us identify three outstanding options that are perfect for any long-term investors' portfolios that is retirement-focused.

Let's take a look at some of our top-ranked mutual funds with the lowest fees.

Dreyfus Appreciation Fund Y (DGYGX Quick QuoteDGYGX - Free Report) : 0.59% expense ratio and 0.55% management fee. DGYGX is a Large Cap Blend fund, targeting companies with market caps of over $10 billion. These funds offer investors a stability, and are perfect for people with a "buy and hold" mindset. With annual returns of 13.37% over the last five years, this fund is a winner.

Fidelity Select Technology (FSPTX Quick QuoteFSPTX - Free Report) is a stand out amongst its peers. FSPTX is a Sector - Tech mutual fund, allowing investors to own a stake in a notoriously volatile sector with a much more diversified approach. With five-year annualized performance of 15.22%, expense ratio of 0.69% and management fee of 0.53%, this diversified fund is an attractive buy with a strong history of performance.

JPMorgan Large Cap Growth I (SEEGX Quick QuoteSEEGX - Free Report) : 0.68% expense ratio and 0.45% management fee. SEEGX is a Large Cap Growth option; these mutual funds purchase stakes in numerous large U.S. companies that are expected to develop and grow at a faster rate than other large-cap stocks. The fund is mainly invested in equities, has a long reputation of salutary performance, and has yearly returns of 14.63% over the last five years.

There you have it. If your financial advisor had you put your money into any of our top-ranked funds, then they've got you covered. If not, you may need to talk.