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.

If you are looking to diversify your portfolio, consider Nationwide BNYMellon US Eq Inc K (NWAMX). NWAMX 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. This fund is a winner, boasting an expense ratio of 0.7%, management fee of 0.6%, and a five-year annualized return track record of 13.18%.

Oberweis Micro Cap Institutional (OMCIX): 1.21% expense ratio and 1% management fee. OMCIX is one of many Small Cap Growth mutual funds; these funds tend to create their portfolios around stocks with market capitalization of less than $2 billion. OMCIX, with annual returns of 21.12% over the last five years, is a well-diversified fund with a long track record of success.

GMO Intl Developed Equity Alloc R6 (GAAWX Quick QuoteGAAWX - Free Report) is an attractive large-cap allocation. GAAWX 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. GAAWX has an expense ratio of 0.01%, management fee of 0%, and annual returns of 14.33% over the past five years.

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.