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 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 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. FATIX has achieved five-year annual returns of an astounding 22.79%.

JPMorgan Disciplined Equity I (JDESX Quick QuoteJDESX - Free Report) : 0.35% expense ratio and 0.25% management fee. JDESX 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. With yearly returns of 13.54% over the last five years, JDESX is an effectively diversified fund with a long reputation of solidly positive performance.

William Blair Large Cap Growth N (LCGNX Quick QuoteLCGNX - Free Report) : 0.9% expense ratio and 0.6% management fee. LCGNX 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 a five-year annual return of 14.57%, this fund is a well-diversified fund with a long track record of success.

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.