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.

Fidelity Advisor Capital Development A (FDTTX Quick QuoteFDTTX - Free Report) has a 0.82% expense ratio and 0.56% management fee. FDTTX is a Large Cap Blend fund, targeting companies with market caps of over $10 billion. These funds offer investors a stability, and are perfect for people with a "buy and hold" mindset. With yearly returns of 14.96% over the last five years, this fund clearly wins.

GMO International Oppotun Value III (GTMIX): 0.69% expense ratio and 0.65% management fee. GTMIX is a part of the Non US - Equity fund category, many of which will focus across all cap levels, and will typically allocate their investments between emerging and developed markets. With yearly returns of 13.07% over the last five years, GTMIX is an effectively diversified fund with a long reputation of solidly positive performance.

American Funds Washington Mutual Investors R6 (RWMGX) is an attractive large-cap allocation. RWMGX is a Large Cap Value fund. These funds invest in stocks with a market cap of $10 billion of more, but whose share prices do not reflect their intrinsic value. RWMGX has an expense ratio of 0.26%, management fee of 0.22%, and annual returns of 11.64% over the past 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.