I invested my 401k from a job I left years ago. The financial planner (who happened to be a family friend) spent hours explaining eveything to me. One thing I remember vividly about that meeting was him telling me that he considered a return of about 6% to 8% annually a decent return, and if I didn't agree that perhaps I should invest my money elsewhere.
His point was that there are a lot of people who will tell you they can get you much higher returns - 10, 12, 15, 20% if you invest with them. Beware. It's true that a sound investment can achieve those levels at times, but it's the exception rather than the rule.
I don't claim to be a financial authority on any level, but just look at the mess we're in now. How much of it was caused by the so called experts ?
Choose your investments wisely, choose your financial advisor carefully, and have reasonable financial goals. Live within your income. A big house and a brand new car are useless if you have to work like a slave to maintain them. Sam Walton, who started Wal Mart, drove an old Ford pickup even after he made his millons. He wasn't a slave to money, money was a slave to him.
You are smart to be thinking about this at your age, I only wish that I had started earlier. Good luck to you.