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 way to judge a mutual fund's quality over time is by analyzing its performance, diversification, and fees. Using the Zacks Mutual Fund Rank of over 19,000 mutual funds, we've identified three outstanding mutual funds that are ideally suited to help long-term investors pursue and achieve their retirement investing goals.

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

Fidelity Convertible Securities (FCVSX Quick QuoteFCVSX - Free Report) : 0.74% expense ratio and 0.55% management fee. FCVSX is a Convertible Bonds mutual fund, and these funds are unique in the fixed income world; these securities have components of both fixed income and equity, making them hybrid securities. FCVSX has achieved five-year annual returns of an astounding 10.68%.

Janus Henderson Global Technology Institutional (JGLTX Quick QuoteJGLTX - Free Report) : 0.74% expense ratio and 0.64% management fee. JGLTX is part of the Sector - Tech mutual fund category that invests in technology and lets investors own a stake in a notoriously volatile sector, but with a much more diversified approach. With yearly returns of 12.78% over the last five years, JGLTX is an effectively diversified fund with a long reputation of solidly positive performance.

JPMorgan Large Cap Growth R2 (JLGZX Quick QuoteJLGZX - Free Report) . Expense ratio: 1.18%. Management fee: 0.45%. Five year annual return: 12.53%. JLGZX 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.

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.