so far there are few trusted cloud mining such as hashflare and genesis mining, I won't recommend to invest on both if you don't know the risk of investment. Just put some money that you are willing to lose, but according to people who have invested on both, yes it does pay contract holders.
How do you know that Hashflare and GenesisMining are trusted? Just because they are paying out consistently? If so, then that's pretty much a nonsensical factor. If you can't prove being responsible for whatever percentage of the network power of whatever coin, you simply aren't mining at all. Also, advising people to invest only money that they can afford to lose, is not the way to move forward. People regardless of what you say will end up losing with cloud mining, and especially so if people are stupid enough to reinvest their earnings. The more you reinvest your earnings, the lower the chances are that you will see even 25% of your initial investment back....