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.

Here are the funds that have achieved the Zacks Mutual Fund Rank #1 (Strong Buy) and have low fees.

Victory Sycamore Established Value R6 (VEVRX Quick QuoteVEVRX - Free Report) : 0.54% expense ratio and 0.45% management fee. VEVRX is a Mid Cap Value mutual funds that aims to target medium-sized companies that possess strong value and income opportunities for investors. With annual returns of 11.61% over the last five years, this fund is a winner.

TIAA-CREF Socl Choice Equity Retail (TICRX Quick QuoteTICRX - Free Report) . Expense ratio: 0.38%. Management fee: 0.15%. TICRX 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. This fund has managed to produce a robust 11.63% over the last five years.

Fidelity Advisor Semiconductors A (FELAX Quick QuoteFELAX - Free Report) is an attractive large-cap allocation. FELAX is a Sector - Tech mutual fund, allowing investors to own a stake in a notoriously volatile sector with a much more diversified approach. FELAX has an expense ratio of 1.01%, management fee of 0.53%, and annual returns of 23.58% 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.