[lazyasciiart]

Big charities have their own investments and can probably manage them cheaper than you can. So if your aim is seriously to benefit the charity, you should not keep the money and "dole it out". Either you believe that they will do something useful with your money, or you don't. If you want to keep your money so you have the option of not donating it all, go ahead, but justifying it as "better" from the charity's perspective seems like a reach.

[the_cat_kittles]

yea- this is a subtly hypocritical behavior i think. i totally dont fault anyone for doing it, and i do it too. but i get a kind of vague sense that holding on to your money to make sure you are totally protected, and then giving it to charity when you are sure you dont need it, is not really that charitable.