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.

Here are the funds that have achieved the Zacks Mutual Fund Rank #1 (Strong Buy) and have low fees.

Allspring Special LargeCap Value R6 (EIVFX): 0.46% expense ratio and 0.4% management fee. EIVFX, an All Cap Value option, is a type of mutual fund that buys stakes in companies in all three valuation categories With annual returns of 10.6% over the last five years, this fund is a winner.

Lazard Emerging Markets Equity Open (LZOEX) is a stand out amongst its peers. LZOEX 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 five-year annualized performance of 12.98%, expense ratio of 1.32% and management fee of 1%, this diversified fund is an attractive buy with a strong history of performance.

American Funds Fundamental Investors C (AFICX Quick QuoteAFICX - Free Report) . Expense ratio: 1.33%. Management fee: 0.24%. Five year annual return: 13.82%. AFICX 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.

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.