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 Seligman Communications and Information R5 (SCMIX) has a 0.86% expense ratio and 0.81% management fee. SCMIX is a Sector - Tech mutual fund, allowing investors to own a stake in a notoriously volatile sector with a much more diversified approach. With yearly returns of 24.19% over the last five years, this fund clearly wins.

Thornburg Investment Income Builder A (TIBAX) is a stand out amongst its peers. TIBAX 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. With five-year annualized performance of 14.71%, expense ratio of 1.1% and management fee of 0.69%, this diversified fund is an attractive buy with a strong history of performance.

Goldman Sachs International T/M Equity IR (GITRX Quick QuoteGITRX - Free Report) . Expense ratio: 0.96%. Management fee: 0.85%. Five year annual return: 11.48%. GITRX is a Non US - Equity fund. Many of these funds like to allocate across emerging and developed markets, and will often focus on all cap levels.

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.