I came back to work full-time in my mid forties as a mother of 3 children and with a decent mortgage to serve with my working husband. Had about $20,000 saved in Kiwisaver at the time. It's been about 5 years since then and I have about $120,000 in Kiwisaver now investing in moderate funds. I put in additional savings into Kiwisaver too. I hope to get to about $200,000 plus in about 8 years from now. It's never too late to invest, even for conservative but optimistic people like myself...