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.

Virtus Convertible A (ANZAX Quick QuoteANZAX - Free Report) has a 0.96% expense ratio and 0.57% management fee. ANZAX is a Convertible Bonds mutual fund, and these funds are unique in the fixed income world; these securities have components of both fixed income and equity, making them hybrid securities. With yearly returns of 13.05% over the last five years, this fund clearly wins.

JPMorgan Intrepid Growth Fund R5 (JGIRX Quick QuoteJGIRX - Free Report) : 0.44% expense ratio and 0.3% management fee. JGIRX 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. JGIRX, with annual returns of 12.44% over the last five years, is a well-diversified fund with a long track record of success.

RMB Smid Cap I (RMBMX Quick QuoteRMBMX - Free Report) . Expense ratio: 0.8%. Management fee: 0.7%. Five year annual return: 12.01%. RMBMX is a Mid Cap Blend mutual fund. These funds usually seek a stock portfolio of various size and style, which allows for diversification when the focus is on companies with a market cap in the range of $2 billion to $10 billion.

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.