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 best way to shortlist great mutual funds is to ensure solid performance, diversification, and low fees. Some are better than others, but utilizing the Zacks Mutual Fund Rank, we have identified three mutual funds that could be solid additions to one's retirement portfolio.

Let's learn about some of Zacks' highest ranked mutual funds with low fees you may want to consider.

Allspring Special LargeCap Value R6 (EIVFX Quick QuoteEIVFX - Free Report) has a 0.46% expense ratio and 0.4% management fee. EIVFX is categorized as an All Cap Value fund, and like the name suggests, invests across the cap spectrum in small-cap, mid-cap, and large-cap companies. With yearly returns of 10.47% over the last five years, this fund clearly wins.

Bernstein Intl Strat Eqs SCB (STESX) is a stand out amongst its peers. STESX is a Non US - Equity fund. Many of these funds like to allocate across emerging and developed markets, and will often focus on all cap levels. With five-year annualized performance of 10.87%, expense ratio of 0.91% and management fee of 0.66%, this diversified fund is an attractive buy with a strong history of performance.

American Funds Inv Co of Amer 529F2 (FCIAX): 0.35% expense ratio and 0.23% management fee. FCIAX is part of the Large Cap Blend section, and these mutual funds most often invest in firms with a market capitalization of $10 billion or more. By investing in bigger companies, these funds offer more stability, and are often well-suited for investors with a "buy and hold" mindset. With a five-year annual return of 12.92%, 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.