It is never too late to invest in mutual funds for retirement. As such, if you plan to invest in some of the best funds, the Zacks Mutual Fund Rank can provide you with valuable guidance.

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 break down some of the mutual funds with the top Zacks Mutual Fund Rank and the lowest fees.

Fidelity Advisor Technology I (FATIX Quick QuoteFATIX - Free Report) : 0.71% expense ratio and 0.53% management fee. FATIX is a Sector - Tech mutual fund, allowing investors to own a stake in a notoriously volatile sector with a much more diversified approach. With annual returns of 19.36% over the last five years, this fund is a winner.

JPMorgan Large Cap Growth R2 (JLGZX Quick QuoteJLGZX - Free Report) is a stand out amongst its peers. JLGZX is a Large Cap Growth mutual fund, and these funds invest in many large U.S. firms that are projected to grow at a faster rate than their large-cap peers. With five-year annualized performance of 14.49%, expense ratio of 1.18% and management fee of 0.45%, this diversified fund is an attractive buy with a strong history of performance.

T. Rowe Price US Equity Research (PRCOX Quick QuotePRCOX - Free Report) is an attractive large-cap allocation. PRCOX 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. PRCOX has an expense ratio of 0.45%, management fee of 0.33%, and annual returns of 11.62% over the past 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.