That is the right thing to do, do not invest where there is no guarantee of returns, in fact best way to get returns is by holding and saving it for future.
Also never try once with HYIP or ponzi scheme behind of cloud mining service it's just collapsed soon after they has much money from investor and ran away . The safest investment i think is trading , you can get a good return but also a loss you have if you choose wrong coin.
good thinking, that we should not invest in sites that do not have a guaranteed of return. such as unreasonable deals include doubler or HYIP sites.
The current trade is the best way, the advantage is definitely depending on our knowledge. there is a lot of information about the coins in this forum, before you really going to buy it, to avoid the wrong choose coins.
I personally invest in HYIP's . There is a huge risk with this site , but also you can win money if you are smart. If you study and have experience in this kinde of site's you can know what site is good for investing .