what you both said is correct investing in cloudmining is just like playing casino and dice game, in the end you will lose it. i had also invested in hashprofit.com site at start it gave good returns but after some time when it became more famous it started to give 70 - 80% discount and then after 2 months that site got closed down. and after sometime their was a message in that site that they are hacked by some hacker and they have lost all investment to them. like this also scheme come and go . so it is better that you can do buying and selling or just save it in wallet and use it when you are in need.
Did you seen information on hashprofit.com site?
Probably it is lie but it looks like is still alive:
(It is in Russian - i use google translator

)
08/13/2015
Today, the payment was made, a little earlier than promised. The list includes users who responded to our letter and provided all the necessary data. It paid 291.94 BTC (about 5 million. Rubles), received a payment of 780 people. See report on payment by 08.13.2015.
Unfortunately, the payment received, not all users of the service. Please be patient, at the moment the service administration is developing a plan to phase out full repayment of the debt, taking into account the current difficult situation.
Don't know what to think about this..

Maybe someone seen some confirmation of their actions?