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 break down some of the mutual funds with the top Zacks Mutual Fund Rank and the lowest fees.

Glenmede Disciplined Intl Eq (GTCIX): 1% expense ratio and 0.75% management fee. GTCIX is a Non US - Equity option, focusing their investments acoss emerging and developed markets, and can often extend across cap levels too. GTCIX has achieved five-year annual returns of an astounding 12.43%.

Lord Abbett Affiliated Fund F (LAAFX) is a stand out amongst its peers. LAAFX is a part of the Large Cap Value category, and invests in equities with a market capitalization of $10 billion or more, but whose share prices do not reflect their intrinsic value. With five-year annualized performance of 11.52%, expense ratio of 0.54% and management fee of 0.32%, this diversified fund is an attractive buy with a strong history of performance.

MFS Blended Research Growth Eq R2 (BRWSX Quick QuoteBRWSX - Free Report) is an attractive large-cap allocation. BRWSX is a Large Cap Growth option; these mutual funds purchase stakes in numerous large U.S. companies that are expected to develop and grow at a faster rate than other large-cap stocks. BRWSX has an expense ratio of 0.99%, management fee of 0.25%, and annual returns of 14.6% 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.