and I am scared to try cloud mining i hear bad things about it.
What you scared about ? you can gain many profit when you use that mining rig, but you don't have it.
right now I am mostly invested into Clam and just on-site investing it on JD looking for the right moment to trade for BTC and wait for Clam to drop and rebuy back
That was called trading, try with buy ETH/LTC/DOGE(maybe). don't buy 1 coin if you have much money. when 1 coin going down you can sell the other coin.