Investing in mutual funds for retirement is never too late. And the Zacks Mutual Fund Rank can be an excellent tool for investors looking to invest in the best funds.

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.

JPMorgan Small Cap Growth Fund R6 (JGSMX Quick QuoteJGSMX - Free Report) has a 0.74% expense ratio and 0.65% management fee. JGSMX is a Small Cap Growth mutual fund building their portfolio around stocks with market caps under $2 billion and large growth opportunities. With yearly returns of 7.09% over the last five years, this fund clearly wins.

Neuberger Berman Mid Cap Growth R6 (NRMGX Quick QuoteNRMGX - Free Report) . Expense ratio: 0.6%. Management fee: 0.54%. NRMGX is a Mid Cap Growth mutual fund. These mutual funds choose companies with a stock market valuation between $2 billion and $10 billion. This fund has managed to produce a robust 9.87% over the last five years.

AQR Small Cap Multi-Style N (QSMNX Quick QuoteQSMNX - Free Report) : 0.85% expense ratio and 0.45% management fee. QSMNX is a Small Cap Blend mutual fund that usually targets companies with a market capitalization of less than $2 billion. The fund is mainly invested in equities, has a long reputation of salutary performance, and has yearly returns of 9.9% over the last 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.