Karla-When you say you want to "maximize funds in retirement funds," it sounds as though you are talking about leaving retirement accounts such as 401k, 403b, IRAs, etc. to charity at your death. If that's not what you are talking about, please speak up. When you are talking about a long time frame, there is always the possibility of tax laws changing, but the way the laws work now, you should know that if you live a long time, you cannot leave all your money in your retirement accounts until you die. You will be required to start taking minimum distributions at 70 1/2, although they can be postponed in a workplace plan like a 401k if you are still on the job. Tax law currently allows direct contributions from IRAs to charity if you are at least 70 1/2. Whether a direct contribution from an IRA is the best way to make a charitable contribution depends on your circumstances. Mutual funds are the best way for most people to invest their retirement accounts. I would go with a mix based on your own tolerance for risk. That would be the kind of thing that I'd recommend sitting down with an adviser to discuss. If you are investing outside retirement accounts, there are options to set up a charitable trust, give to a charitable gift fund or even buy life insurance naming the charity as beneficiary.