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.

Invesco Comstock R5

(ACSHX) has a 0.52% expense ratio and 0.38% management fee. ACSHX 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. With yearly returns of 14.54% over the last five years, this fund clearly wins.

Janus Henderson Global Research Institutional

(JAWGX) is a stand out amongst its peers. JAWGX is a Global - Equity mutual fund. These funds invest in large markets like the U.S., Europe, and Japan, and operate with very few geographical limitations. With five-year annualized performance of 14.11%, expense ratio of 0.61% and management fee of 0.52%, this diversified fund is an attractive buy with a strong history of performance.

PGIM Jennison International Opportunity Z

(PWJZX): 0.9% expense ratio and 0.81% management fee. PWJZX is a Non US - Equity option, focusing their investments acoss emerging and developed markets, and can often extend across cap levels too. The fund is mainly invested in equities, has a long reputation of salutary performance, and has yearly returns of 11.41% over the last five years.

We hope that your investment advisor (if you use one) has you invested in one or all of the top-ranked mutual funds we've reviewed. But if that isn't the case, it might be time to have a conversation or reconsider this vitally important relationship.

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