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.

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

AB Large Cap Growth Adivsor (APGYX Quick QuoteAPGYX - Free Report) has a 0.56% expense ratio and 0.48% management fee. APGYX 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 yearly returns of 13.92% over the last five years, this fund clearly wins.

Bridgeway Small Cap Value N (BRSVX Quick QuoteBRSVX - Free Report) . Expense ratio: 0.83%. Management fee: 0.61%. BRSVX is a Small Cap Value mutual fund, investing in small companies with stock market valuation less than $2 billion. This fund has managed to produce a robust 13.85% over the last five years.

AMG Frontier Small Cap Growth Z (MSSYX Quick QuoteMSSYX - Free Report) : 0.9% expense ratio and 0.7% management fee. MSSYX is one of many Small Cap Growth mutual funds; these funds tend to create their portfolios around stocks with market capitalization of less than $2 billion. The fund is mainly invested in equities, has a long reputation of salutary performance, and has yearly returns of 14.46% over the last 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.