You will definitely loose money if you put your money in Passive earning schemes (e.g. Bitconnect). Stay away from them. Trading is difficult and sure as hell could make you money.
If you want to get the passive income, best option is through Funding the Margin Traders by providing Liquidity from exchanges like Bitfinex. You can make as much as 0.03-0.1% daily.s
Investing in ICO is okay in terms of Risk given you are investing in them after a long and thorough survey. Without survey and Looking into project Technology and Team's dedication to work.