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.

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

Janus Henderson Enterprise N (JDMNX Quick QuoteJDMNX - Free Report) has a 0.66% expense ratio and 0.64% management fee. JDMNX is a Mid Cap Growth mutual fund. These funds aim to target companies with a market capitalization between $2 billion and $10 billion that are also expected to exhibit more extensive growth opportunities for investors than their peers. With yearly returns of 10.66% over the last five years, this fund clearly wins.

Great-WestMultiMgrLgCapGrowIns (MXGSX Quick QuoteMXGSX - Free Report) is a stand out amongst its peers. MXGSX 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 five-year annualized performance of 14.04%, expense ratio of 0.65% and management fee of 0.62%, this diversified fund is an attractive buy with a strong history of performance.

Vanguard Windsor-II Investor (VWNFX Quick QuoteVWNFX - Free Report) . Expense ratio: 0.34%. Management fee: 0.33%. Five year annual return: 10.38%. VWNFX 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.

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.