I'm not donating to food banks/mutual aid/related nonprofits solely in hopes that they'll give me a financial return. It's also in part so that said places exist when I need them. For instance, a lot of places shut down in 2020 and 2021, helping to keep them open means they can help me in 2028 if I need it.

I'll also note that the nonprofit/donor part is the most speculative part. It's the social portfolio version of individual stocks. If you did ONLY that, it would be very silly. And of course it depends on the money you have versus the money that's being thrown out around you. I live in a rust belt town where the average income is 24k.

Also, disability presents a lot of perverse incentives. Again, it's less 'do this!' and more 'If you can't get ahead, consider not playing for a while.' One example is that people receiving SSI literally can't have more than 2k in the bank. This...presents substantial difficulty. And if I need assisted living, the government will literally take everything that isn't my house first. (Hence why I AM prioritizing owning property).

If you want to maximize financial return, do not do this. But since the OP mentioned 'safety', and safety is often less about the access to cash than the access to resources cash can provide, so it may be worth trying to secure them directly.