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.

Janus Henderson Global Research S (JWGRX): 1.24% expense ratio and 0.7% management fee. JWGRX is a Global - Equity mutual fund. These funds invest in large markets like the U.S., Europe, and Japan, and operate with very few geographical limitations With annual returns of 10.14% over the last five years, this fund is a winner.

First Eagle Rising Dividend R6 (FEFRX Quick QuoteFEFRX - Free Report) . Expense ratio: 0.63%. Management fee: 0.5%. FEFRX, an All Cap Value option, is a type of mutual fund that buys stakes in companies in all three valuation categories This fund has managed to produce a robust 10.52% over the last five years.

Franklin Utilities A (FKUQX) is an attractive large-cap allocation. FKUQX is a Sector - Utilities mutual fund, focusing on companies that provide essential services such as electric power, gas distribution, and water supply to millions of people on a daily basis. Overall, the utility industry is known for its stability and reduced volatility. FKUQX has an expense ratio of 0.8%, management fee of 0.46%, and annual returns of 12.16% over the past five years.

We hope that your investment advisor (if you use one) has you invested in one or all of the top-ranked mutual funds we've reviewed. But if that isn't the case, it might be time to have a conversation or reconsider this vitally important relationship.