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 best way to shortlist great mutual funds is to ensure solid performance, diversification, and low fees. Some are better than others, but utilizing the Zacks Mutual Fund Rank, we have identified three mutual funds that could be solid additions to one's retirement portfolio.

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

Neuberger Berman Guardian A (NGDAX Quick QuoteNGDAX - Free Report) has a 1.05% expense ratio and 0.74% management fee. NGDAX is a part of the Large Cap Value category, and invests in equities with a market capitalization of $10 billion or more, but whose share prices do not reflect their intrinsic value. With yearly returns of 13.14% over the last five years, this fund clearly wins.

Victory Sycamore Established Value R (GETGX Quick QuoteGETGX - Free Report) . Expense ratio: 1.1%. Management fee: 0.45%. GETGX is a Mid Cap Value fund, which usually invests in companies with a stock market valuation between $2 billion and $10 billion. This fund has managed to produce a robust 9.89% over the last five years.

JPMorgan US Equity I (JUESX Quick QuoteJUESX - Free Report) is an attractive large-cap allocation. JUESX is classified as a Large Cap Blend fund. More often than not, Large Cap Blend mutual funds invest in companies with a market cap of over $10 billion. Buying stakes in bigger companies offer these funds more stability, and are well-suited for investors with a "buy and hold" mindset. JUESX has an expense ratio of 0.69%, management fee of 0.4%, and annual returns of 12.32% over the past 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.