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 best way to shortlist great mutual funds is to ensure solid performance, diversification, and low fees. Some are better than others, but utilizing the Zacks Mutual Fund Rank, we have identified three mutual funds that could be solid additions to one's retirement portfolio.

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

MFS Blended Research Growth Eq R6 (BRWVX Quick QuoteBRWVX - Free Report) : 0.42% expense ratio and 0.4% management fee. BRWVX 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. With annual returns of 14.2% over the last five years, this fund is a winner.

Fidelity Advisor Semiconductors M (FELTX Quick QuoteFELTX - Free Report) . Expense ratio: 1.25%. Management fee: 0.53%. FELTX is a Sector - Tech mutual fund, allowing investors to own a stake in a notoriously volatile sector with a much more diversified approach. This fund has managed to produce a robust 28.11% over the last five years.

JPMorgan US Equity Fund R6 (JUEMX Quick QuoteJUEMX - Free Report) . Expense ratio: 0.44%. Management fee: 0.4%. Five year annual return: 13.9%. JUEMX is classified as a Large Cap Blend fund. More often than not, Large Cap Blend mutual funds invest in companies with a market cap of over $10 billion. Buying stakes in bigger companies offer these funds more stability, and are well-suited for investors with a "buy and hold" mindset.

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.