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.

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

American Funds Growth Fund of America 529E (CGFEX Quick QuoteCGFEX - Free Report) : 0.88% expense ratio and 0.25% management fee. CGFEX is a Large Cap Growth mutual fund, and these funds invest in many large U.S. firms that are projected to grow at a faster rate than their large-cap peers. With annual returns of 11.03% over the last five years, this fund is a winner.

GMO-Usonian Japan Value Creation VI (GMAHX): 0.6% expense ratio and 0.56% management fee. GMAHX is a Japan - Equity fund option, and these funds primarily invest in companies in one of the world's richest and most diversified economies, Japan. With yearly returns of 12.76% over the last five years, GMAHX is an effectively diversified fund with a long reputation of solidly positive performance.

WCM Focused Intl Equity Instl (WCMVX): 0.85% expense ratio and 0.82% management fee. WCMVX is a Non US - Equity option, focusing their investments acoss emerging and developed markets, and can often extend across cap levels too. With a five-year annual return of 10.48%, this fund is a well-diversified fund with a long track record of success.

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.