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 take a look at some of our top-ranked mutual funds with the lowest fees.

BNY Mellon Natural Resources A (DNLAX Quick QuoteDNLAX - Free Report) : 1.14% expense ratio and 0.75% management fee. DNLAX is a Sector - Energy mutual fund, which encompasses a wide range of vastly changing and vitally important industries throughout this massive global sector. With annual returns of 14.37% over the last five years, this fund is a winner.

Goldman Sachs Strategic Growth IR (GSTTX Quick QuoteGSTTX - Free Report) : 0.83% expense ratio and 0.71% management fee. GSTTX 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. GSTTX, with annual returns of 12.07% over the last five years, is a well-diversified fund with a long track record of success.

Schwartz Value Fund (RCMFX Quick QuoteRCMFX - Free Report) : 1.25% expense ratio and 0.8% management fee. RCMFX is a Small Cap Value mutual fund option, which typically invest in companies with market caps under $2 billion. With a five-year annual return of 13.22%, 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.