For me, genuine charity (defined by the "Principles of Charity" an ethical discussion by several 13th century Rabinical scholars) is a useful spiritual principle,/practice. Altruism however, seems to be a good principle/practice hiding behind a "bad" motive. It appears to be rooted in selfish beliefs, self deception, and unfulfillable desire. While genuine charity seems to be rooted in generosity, compassion, an empathy. This may seem like I'm splitting hairs, but so far my relationship with the world around me is directly connected to my motives.
The Principles of Charity
I don't know. Charity to me is a way of soothing the conscious of the giver. Buying of its guilty feeling. Objectifying charity by the "Principles of Charity" is, in my eyes, already a shame. Charity should not be necessary. In a community all people naturally should take care of the total community as a whole. Than there can be no hunger, no lack of shelter and heating, no loneliness, because everyone shares its talents and energy with the community. For a country, where the individual community relations are cut through, it means that taxes (that what everybody that can, contributes to the society) should be used for the good of all, so, also for taking care of the needs of everybody, including the sick, the poor, the homeless, etc. It's also about what Christ taught, but Christianity is so egocentric and non-empathic (or only empathic for a specific group) that it shouldn't even be called Christianity. They abuse this guy every day, every time they go to church not inviting the hungry for a meal, every time there is a poor man at the side of the sidewalk that is left alone, the Christians abuse their spiritual icon.
I know this is a quite limited argumentation, but I hope you get the point.
If the goal is to survive, being selfish is important to a degree. If the goal is for the species to survive, bein selfish and charity towards others become one in the same.
Let's see 13th century rabinical scholars? No thank you.