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.

How can you tell a good mutual fund from a bad one? It's pretty basic: if the fund is diversified, has low fees, and shows strong performance, it's a keeper. Of course, there's a wide range, but using the Zacks Mutual Fund Rank, we've found three mutual funds that would be great additions to any long-term retirement investors' portfolios.

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

Janus Henderson Contrarian D (JACNX Quick QuoteJACNX - Free Report) : 0.76% expense ratio and 0.6% management fee. JACNX is a Large Cap Value mutual fund, which invests in stocks with a market cap of $10 billion of more, but whose share prices do not reflect their intrinsic value. With annual returns of 13.52% over the last five years, this fund is a winner.

JPMorgan Intrepid Growth Fund R2 (JIGZX Quick QuoteJIGZX - Free Report) : 1.09% expense ratio and 0.3% management fee. JIGZX 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 15.23% over the last five years, JIGZX is an effectively diversified fund with a long reputation of solidly positive performance.

First Eagle Gold A (SGGDX Quick QuoteSGGDX - Free Report) : 1.18% expense ratio and 0.75% management fee. Sector - Precious Metal funds like SGGDX normally invest in stocks focused on the mining and production of precious metals such as gold, silver, platinum, and palladium. The fund is mainly invested in equities, has a long reputation of salutary performance, and has yearly returns of 8.3% 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.