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.

Lazard Global List Infrastructure Open (GLFOX) has a 1.21% expense ratio and 0.9% management fee. GLFOX is a Global - Equity mutual fund, which invests their assets in large markets, leveraging the global economy. With yearly returns of 11.54% over the last five years, this fund clearly wins.

Brown Advisory WMC Strategic European Equity & Income Adviser (BAHAX Quick QuoteBAHAX - Free Report) is a stand out amongst its peers. BAHAX is a Europe - Equity mutual fund investing in stocks across the vast European continent. With five-year annualized performance of 12.05%, expense ratio of 1.43% and management fee of 0.9%, this diversified fund is an attractive buy with a strong history of performance.

Goldman Sachs Tax Managed Equity I (GCTIX): 0.69% expense ratio and 0.63% management fee. GCTIX 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 12.26%, this fund is a well-diversified fund with a long track record of success.

These examples highlight the fact that there are some astonishingly good mutual funds out there. If your advisor has you in the good ones, bravo! If not, you may need to have a talk.