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 take a look at some of our top-ranked mutual funds with the lowest fees.

Voya Small Cap Growth I (TCMSX): 0.93% expense ratio and 0.8% management fee. TCMSX is one of many Small Cap Growth mutual funds; these funds tend to create their portfolios around stocks with market capitalization of less than $2 billion. TCMSX has achieved five-year annual returns of an astounding 12.01%.

TSW Large Cap Value Instl (TSWEX) is a stand out amongst its peers. TSWEX 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 five-year annualized performance of 14.9%, expense ratio of 0.73% and management fee of 0.58%, this diversified fund is an attractive buy with a strong history of performance.

Steward International Enhanced Index I (SNTCX Quick QuoteSNTCX - Free Report) . Expense ratio: 0.77%. Management fee: 0.37%. Five year annual return: 13.42%. SNTCX 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.

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.