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

Pin Oak Equity Fund (POGSX): 0.95% expense ratio and 0.74% management fee. POGSX is an All Cap Growth mutual fund investing in a wide variety of equities, no matter the size of the company and as long as the firm exhibits growth characteristics. With annual returns of 11.9% over the last five years, this fund is a winner.

Artisan Global Value Advisor (APDGX): 1.1% expense ratio and 0.99% management fee. APDGX is a Global - Equity mutual fund investing in bigger markets like the U.S., Europe, and Japan; these kinds of funds aren't limited by geography. APDGX, with annual returns of 12.8% over the last five years, is a well-diversified fund with a long track record of success.

Adirondack Small Cap Fund (ADKSX Quick QuoteADKSX - Free Report) : 1.48% expense ratio and 1.08% management fee. ADKSX is a Small Cap Value mutual fund option, which typically invest in companies with market caps under $2 billion. With a five-year annual return of 14.33%, 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.