RE:RE:RE:RE:Craft Beer Market Expected to ExpandYou can put your money anywhere you like, that is your choice and should be based on your own Due Dilligence and forward looking speculation.
In terms of savings accounts etc, you will be lucky to get a few percentage points off those, that is not enough to keep up with the rate of inflation therefore your savings account is losing value even while it gains those few points (inflation outpaces the interest rate).
If you are not familiar with how stocks move and have little time for research etc then you are better off contributing to an RRSP or a 401k plan and let your bank take their cut of your profits but have them do all the investing and trading for you. They are less likely to get all emotional about price swings and will make the most of the movements.
RRSP and 401k plans rely on a Dollar Cost Averaging investment startegy where you contribute monthly. The main difference is that you seldom ever look at the value of your RRSP and 401k therefore you do not line yourself up to freak out and sell everything on a dip, or sustained downtrend. You continue to add money to the plan and your bank averages your accounts down for you.
Regarding your comment on 5% market growth and 5% profit, you should give that a little more thought to that as you are over-simplifying the numbers.
Best Regards
Q