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.

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

Dodge & Cox Balanced Fund I (DODBX Quick QuoteDODBX - Free Report) has a 0.52% expense ratio and 0.5% management fee. DODBX is a part of the Allocation Balanced fund category; these funds like to invest in a variety of asset types, finding a balance between stocks, bonds, cash, and sometimes even precious metals and commodities; they are mostly categorized by their respective asset allocation. With yearly returns of 11.94% over the last five years, this fund clearly wins.

Fidelity Advisor Energy Fund A (FANAX) is a stand out amongst its peers. FANAX is a Sector - Energy fund, which are comprised of various changing and hugely important industries throughout the massive global energy sector. With five-year annualized performance of 23.48%, expense ratio of 0.98% and management fee of 0.71%, this diversified fund is an attractive buy with a strong history of performance.

T. Rowe Price Science & Technology Adviser (PASTX): 1.06% expense ratio and 0.63% management fee. With a much more diversified approach, PASTX--part of the Sector - Tech mutual fund category--gives investors a way to own a stake in the notoriously risky tech sector. With a five-year annual return of 15.1%, 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.