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.

Columbia Dividend Income Fund Class I (GSFTX) has a 0.64% expense ratio and 0.53% management fee. GSFTX 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. With yearly returns of 10.62% over the last five years, this fund clearly wins.

Artisan Global Value Advisor (APDGX Quick QuoteAPDGX - Free Report) : 1.1% expense ratio and 0.98% management fee. APDGX 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 yearly returns of 10.82% over the last five years, APDGX is an effectively diversified fund with a long reputation of solidly positive performance.

JHancock US Growth R2 (JSGRX): 1.07% expense ratio and 0.55% management fee. JSGRX is a Large Cap Growth mutual fund, and these funds invest in many large U.S. firms that are projected to grow at a faster rate than their large-cap peers. With a five-year annual return of 14.81%, 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.