Robin Hanson thinks an optimal donation policy looks like saving up and investing as much money as you can and then making a large donation at the end of your life. So retirement accounts seem sensible from this point of view (“tax advantaged” seems like an important keyword here).
From a tax perspective, my understanding is that you can deduct up to 50% of your income from your taxes if you give it to charity. Are retirement account tax incentives that good? If not, you might want to put your money in a donor-advised fund instead of a retirement account. (See this comment for more relatively clueless speculation from me.)
In Canada, investments made in a retirement fund and donations made to charity both work identically—no taxes are charged on that dollar amount(there’s some caps, but they rarely come up for most people). It will obviously depend on where you live, though.
From a tax perspective, my understanding is that you can deduct up to 50% of your income from your taxes if you give it to charity. Are retirement account tax incentives that good? If not, you might want to put your money in a donor-advised fund instead of a retirement account. (See this comment for more relatively clueless speculation from me.)
In Canada, investments made in a retirement fund and donations made to charity both work identically—no taxes are charged on that dollar amount(there’s some caps, but they rarely come up for most people). It will obviously depend on where you live, though.