If you are goign to do it, I would recommend you do it with money in your RRSP and money you treat as a long term investment (not look at ups and downs). I would recommend you hold your RRSP investments until, well, you retire.
Returns are tricky. Historically, S&P 500 returns are around 9% per year (keep in mind some years are up, others down...this is the average return over some 75 years). Even if some years are up and others down, if you take a slice of 10 years.....no 10 year down down period since the 1930s.
The past strongly recommends that at your age, you hold stocks (higher returns, lower risk since you have decades). The past doesn't garantee the future though.
The thing to remember is that any type of investment has risk. Even guaranteed certificates of deposit (which have no or little capital loss risk, but significant interest rate risk...in that you can be locked into low returns....which is significant given inflation...if you are making 3% per year and inflation is at 4%...you are losing 1% per year...guaranteed).
Investing is a question of managing risk, not avoiding it (which is not possible).
Hmmm well that in mind, I think I may wait until I got a bit more stability before I start investing.
I dont have RRSP's, but I do have a government pension fund as a public servant so Im secure for the future.