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 break down some of the mutual funds with the top Zacks Mutual Fund Rank and the lowest fees.

MainStay Large Cap Growth R2 (MLRTX Quick QuoteMLRTX - Free Report) : 1.08% expense ratio and 0.61% management fee. MLRTX 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 annual returns of 16.11% over the last five years, this fund is a winner.

Putnam Global Health Care A (PHSTX Quick QuotePHSTX - Free Report) is a stand out amongst its peers. PHSTX is part of the Sector - Health category, offering investors a focus on the healthcare industry, one of the largest sectors in the American economy. With five-year annualized performance of 12.51%, expense ratio of 1.07% and management fee of 0.62%, this diversified fund is an attractive buy with a strong history of performance.

Janus Henderson Contrarian S (JCNIX Quick QuoteJCNIX - Free Report) : 1.21% expense ratio and 0.6% management fee. JCNIX 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. The fund is mainly invested in equities, has a long reputation of salutary performance, and has yearly returns of 12.98% 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.