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, 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.

Let's learn about some of Zacks' highest ranked mutual funds with low fees you may want to consider.

JPMorgan Europe Dynamic L (JFEIX) has a 0.84% expense ratio and 0.6% management fee. JFEIX is a Europe - Equity mutual fund investing in stocks across the vast European continent. With yearly returns of 10.28% over the last five years, this fund clearly wins.

Artisan Global Value Advisor (APDGX Quick QuoteAPDGX - Free Report) : 1.1% expense ratio and 0.98% management fee. APDGX 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. APDGX, with annual returns of 10.09% over the last five years, is a well-diversified fund with a long track record of success.

BlackRock Advantage Large Cap Core C (MCLRX): 1.48% expense ratio and 0.43% management fee. MCLRX is part of the Large Cap Blend section, and these mutual funds most often invest in firms with a market capitalization of $10 billion or more. By investing in bigger companies, these funds offer more stability, and are often well-suited for investors with a "buy and hold" mindset. The fund is mainly invested in equities, has a long reputation of salutary performance, and has yearly returns of 10.97% 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.