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, most reliable way to judge a mutual fund's quality over time is by analyzing its performance, diversification, and fees. The Zacks Mutual Fund Rank, which covers over 19,000 mutual funds, has helped us identify three outstanding options that are perfect for any long-term investors' portfolios that is retirement-focused.

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

Janus Henderson Global Research R (JDWRX): 1.49% expense ratio and 0.59% management fee. JDWRX is a Global - Equity mutual fund investing in bigger markets like the U.S., Europe, and Japan; these kinds of funds aren't limited by geography. JDWRX has achieved five-year annual returns of an astounding 15.26%.

North Square Tactical Growth I (ETFOX) is a stand out amongst its peers. ETFOX is a part of the Allocation Balanced fund category; these funds like to invest in a variety of asset types, finding a balance between stocks, bonds, cash, and sometimes even precious metals and commodities; they are mostly categorized by their respective asset allocation. With five-year annualized performance of 11.08%, expense ratio of 1.3% and management fee of 1.06%, this diversified fund is an attractive buy with a strong history of performance.

Brandes Emerging Markets Value I (BEMIX Quick QuoteBEMIX - Free Report) . Expense ratio: 1.12%. Management fee: 0.95%. Five year annual return: 13.8%. BEMIX is a Non US - Equity option, focusing their investments acoss emerging and developed markets, and can often extend across cap levels too.

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.