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.

Cohen & Steers Real Assets Funds I (RAPIX): 0.8% expense ratio and 0.75% management fee. RAPIX is classified as an Allocation Balanced fund, which seeks to invest in a balance of asset types, like stocks, bonds, and cash, and including precious metals or commodities is not unusual. RAPIX has achieved five-year annual returns of an astounding 10.08%.

American Funds Mutual Fund R6 (RMFGX): 0.27% expense ratio and 0.23% management fee. RMFGX is a Large Cap Value mutual fund, which invests in stocks with a market cap of $10 billion of more, but whose share prices do not reflect their intrinsic value. With yearly returns of 10.02% over the last five years, RMFGX is an effectively diversified fund with a long reputation of solidly positive performance.

Allspring Special LargeCap Value Ad (EIVDX Quick QuoteEIVDX - Free Report) : 0.81% expense ratio and 0.4% management fee. EIVDX, an All Cap Value option, is a type of mutual fund that buys stakes in companies in all three valuation categories With a five-year annual return of 10.16%, 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.