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 take a look at some of our top-ranked mutual funds with the lowest fees.

If you are looking to diversify your portfolio, consider Vanguard Market Neutral Investor (VMNFX). VMNFX is a Market Neutral - Equity mutual fund. These funds attempt to maximize returns, and usually hold 50% of their securities in a long position and 50% in a short position. This fund is a winner, boasting an expense ratio of 0.2%, management fee of 0.16%, and a five-year annualized return track record of 14.04%.

T. Rowe Price New Era I (TRNEX): 0.57% expense ratio and 0.53% management fee. TRNEX is a Sector - Energy fund, which are comprised of various changing and hugely important industries throughout the massive global energy sector. TRNEX, with annual returns of 11.38% over the last five years, is a well-diversified fund with a long track record of success.

Lazard Emerging Markets Equity Open (LZOEX Quick QuoteLZOEX - Free Report) . Expense ratio: 1.32%. Management fee: 1%. Five year annual return: 14.28%. LZOEX is a Non US - Equity option, focusing their investments acoss emerging and developed markets, and can often extend across cap levels too.

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.