An upper bound on the loss incured by waiting another year before you donate your savings to an organization is the interest they would have to pay on a loan of your saving's size in that time. If you estimate the chance that you will regret your choice of donation target in a year highly enough, that means waiting may be prudent. Just a thought.
(The cost might be increased by their reduced capacity for planning with the budget provided by you in mind; but with enough people acting like you, the impact of this factor should disappear in the law of large numbers)
Certainly that is an important point to consider. I could always place funds in a donor advised fund for now. However, if an organization that I donated to thought the funds would be best spent later, they could invest the funds. Considering this, my current thinking is that I should donate to an organization if they share the goal of reducing existential risk and I think they would be better at deciding on the best course of action than I would. Considering I am not currently an expert in areas which would prove useful to reducing existential risk, I'm leaning towards donating. Does this seem like a sensible course of action?
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