Wary investor needs to break out and learn how to make wealth rather than am it in a bank - help!?!?!?

I have all my eggs in CD's and 401k and in my first home down payment that I made an year ago.. I am wary of stocks and dont know how to select mutual funds.. people say get a RothIRA whereas others say put money into an annuity.. with so many choices I am finding it overwhelming. Any guidance will be appreciated!