This may be a basic question but I don't know anything about U.S. Savings Bonds. I don't know how long it takes until you can cash a U.S. Savings Bond, nor do I know their average rate of return. If given the option to choose ($25,000 Cash) or ($30,000 in U.S. Savings Bonds + $10,000 Cash) and given the current average rates of return how could I determine which selection would be the most profitable?
According to the US Treasury, EE Savings Bonds reach maturity immediately, so a $30,000 EE Savings Bond can be redeemed for $30,000 as soon as it is issued. You will lose 3-months interest if you redeem before 5 years.
EE Bonds are the only bonds currently offered by the US Treasury, since 2004.
H Bonds, sold prior to 2004, reach maturity after 10 years.
So, if they are EE Bonds, then take the bonds. If they are HH Bonds, you will only have to wait 2 more years, at most, to reach full maturity. Therefore, the answer should be take the bonds!
40,000 > 25,000
Isn't it obvious? Unless you have an immediate need for cash that 10k can't solve, go for the bonds.