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.

AB Equity Income Adviser (AUIYX Quick QuoteAUIYX - Free Report) : 0.73% expense ratio and 0.55% management fee. AUIYX 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. AUIYX has achieved five-year annual returns of an astounding 11.41%.

PGIM Jennison Small Company R6 (PJSQX Quick QuotePJSQX - Free Report) . Expense ratio: 0.69%. Management fee: 0.67%. PJSQX is a Small Cap Blend mutual fund, and usually targets stocks with market caps of less than $2 billion, letting investors diversify their funds among other kinds of small-cap equities. This fund has managed to produce a robust 11.32% over the last five years.

T. Rowe Price Blue Chip Growth R (RRBGX Quick QuoteRRBGX - Free Report) : 1.21% expense ratio and 0.55% management fee. RRBGX 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 11.41%, 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.