It is never too late to invest in mutual funds for retirement. As such, if you plan to invest in some of the best funds, the Zacks Mutual Fund Rank can provide you with valuable guidance.

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.

AQR Global Equity Fund R6 (AQGRX Quick QuoteAQGRX - Free Report) : 0.72% expense ratio and 0.6% management fee. AQGRX is a Global - Equity mutual fund, which invests their assets in large markets, leveraging the global economy. With annual returns of 16.15% over the last five years, this fund is a winner.

American Funds Fundamental Investors 529A (CFNAX) is a stand out amongst its peers. CFNAX is a Large Cap Blend fund, targeting companies with market caps of over $10 billion. These funds offer investors a stability, and are perfect for people with a "buy and hold" mindset. With five-year annualized performance of 15.72%, expense ratio of 0.62% and management fee of 0.24%, this diversified fund is an attractive buy with a strong history of performance.

Goldman Sachs International Small Cap Insights IR (GIRLX) is an attractive large-cap allocation. GIRLX is a Non US - Equity option, focusing their investments acoss emerging and developed markets, and can often extend across cap levels too. GIRLX has an expense ratio of 0.97%, management fee of 0.81%, and annual returns of 10.73% over the past 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.