Cloud mining will easily leave you without pants.
Ponzi like ltcgear, cloudminr.io, cloudmining.website, scrypt.cc can and will leave you without pants when they collapse, especially if you reinvest, but if you go for Hashnest you might expect less roi, but eventually you should get it. Do your reasearch before investing as there are definitely some legit ones.
I wish some of the wise men stood up and said this for erstwhile AM hash or current Bit-X. While these highly pumped scams crash, they not only take away you pants but also burn whatever inside. Under the disguise of
Reputable Cloud Mining, these scams make sure that its customers never profit. They want people to believe that the rate they are giving is real and what others are offering are all too good to be true. Even if cloudminr.io or cloudmining.website crashes, the casualty will be minimum as most of the people on these sites are already on profit.