Three good mutual funds to help save money for when you stop working are Wells Fargo Diversified Capital Builder, Fidelity OTC Portfolio K, and Invesco Gold & Special Minerals. These funds try to grow your money by investing in different things like stocks, bonds, and metals. They have low fees which means they don't take a lot of your money for managing the fund. The article says that these funds have done well in the past five years and might be good choices for retirement savings. Read from source...

- The title of the article is misleading and sensationalized. It claims to present "3 Top-Ranked Mutual Funds for Your Retirement", but does not provide any clear criteria or methodology for ranking them. It also implies that these funds are the best choices for retirement investors, without considering other options or risks involved.
- The article relies heavily on Zacks' Mutual Fund Rank, which is a subjective and proprietary rating system that may not reflect the actual performance or suitability of the funds for different investors. It also does not disclose how the rank is calculated, what factors are considered, or how it compares to other ranking systems.
- The article uses vague and ambiguous terms to describe the funds' objectives and strategies, such as "diversification", "balance of asset types", and "allocation". It also fails to provide any historical or statistical data to support its claims about the funds' performance, diversification, and fees.
- The article selectively presents only positive aspects of the funds, while ignoring or downplaying any negative factors, such as their volatility, risk, expenses, tax implications, or management quality. It also uses emotional language to appeal to investors' fears and hopes, such as "it might be time to have a conversation or reconsider this vitally important relationship".
- The article has a clear conflict of interest, as it is sponsored by Benzinga, which is an online media company that provides financial news and data. It also promotes its own products and services, such as APIs and trading ideas, at the end of the article. This creates a bias and credibility issue for the author and the source.

1. Wells Fargo Diversified Capital Builder I (EKBYX): Low expense ratio, high management fee, balanced allocation, consistent returns over the last five years, well-diversified, long track record of success. Risks include exposure to stocks, bonds, cash, and commodities, which may underperform or experience volatility in different market conditions.
2. Fidelity OTC Portfolio K (FOCKX): Low expense ratio, high management fee, large cap growth focus, impressive annual returns over the last five years, well-diversified, strong performance history. Risks include exposure to U.S. large-cap stocks, which may be affected by economic, political, or regulatory factors, and may not keep up with faster-growing sectors or markets.
3. Invesco Gold & Special Minerals R6 (OGMIX): Low expense ratio, high management fee, large-cap allocation, precious metals focus, decent annual returns over the last five years, attractive risk-reward profile. Risks include exposure to mining and production of precious metals, which may be subject to price fluctuations, supply and demand shocks, environmental issues, geopolitical tensions, and other factors that may impact their performance and valuation.