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.

Let's learn about some of Zacks' highest ranked mutual funds with low fees you may want to consider.

Janus Henderson Enterprise D (JANEX Quick QuoteJANEX - Free Report) : 0.8% expense ratio and 0.64% management fee. JANEX is a Mid Cap Growth mutual fund. These mutual funds choose companies with a stock market valuation between $2 billion and $10 billion. JANEX has achieved five-year annual returns of an astounding 9.25%.

T. Rowe Price Dividend Growth I (PDGIX Quick QuotePDGIX - Free Report) : 0.5% expense ratio and 0.49% management fee. PDGIX is part of the Large Cap Blend section, and these mutual funds most often invest in firms with a market capitalization of $10 billion or more. By investing in bigger companies, these funds offer more stability, and are often well-suited for investors with a "buy and hold" mindset. PDGIX, with annual returns of 11.08% over the last five years, is a well-diversified fund with a long track record of success.

Loomis Sayles Growth Fund N (LGRNX Quick QuoteLGRNX - Free Report) : 0.58% expense ratio and 0.5% management fee. LGRNX is a Large Cap Growth mutual fund, and these funds invest in many large U.S. firms that are projected to grow at a faster rate than their large-cap peers. With a five-year annual return of 12.92%, 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.