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.

BNY Mellon Natural Resources A (DNLAX Quick QuoteDNLAX - Free Report) has a 1.14% expense ratio and 0.75% management fee. DNLAX is classified as a Sector - Energy mutual fund. Throughout the massive global energy sector, these funds hold a wide range of quickly changing and vitally important industries. With yearly returns of 13.91% over the last five years, this fund clearly wins.

Janus Henderson Global Life Science D (JNGLX Quick QuoteJNGLX - Free Report) is a stand out amongst its peers. JNGLX is classified as a Sector - Health fund. Healthcare is one of the biggest sectors of the American economy, and these kinds of mutual funds provide a great opportunity to invest in this industry. With five-year annualized performance of 10.37%, expense ratio of 0.8% and management fee of 0.64%, this diversified fund is an attractive buy with a strong history of performance.

MFS Mass Investors Growth Stock B (MIGBX Quick QuoteMIGBX - Free Report) . Expense ratio: 1.46%. Management fee: 0.33%. Five year annual return: 11.07%. MIGBX is a part of the Large Cap Growth mutual fund category, which invest in many large U.S. companies that are expected to grow much faster compared to other large-cap stocks.

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.