This is bs, please dont spread misinformation like this. With your logic, we should all stop voting because a single vote doesnt have impact.
Every person is responsible for their own decisions and 10k from a single person have a huge relative impact. If every person with 10k available would use those for fighting climate change, we would have overcome it already.
I actually made a separate comment with my suggestions^^. I think political change and research would have the most impact, so my proposal would be donating to organizations like FCA or CATF (which btw I already do with monthly payments to a climate fund because Ive been asking myself a similar question in the past)