that would make a nice down payment on a VERY small house, assuming it was in a rentable area. Take a community in small town Nova Scotia (or wherever there is an area that is...suffering from high unemployment and people can't get mortgages).
You could buy a house for ~80K, put 20K down, save 5 for repairs (have fun with the other 5), and rent the thing out for say...$800/month. MOrt plus tax would be ~550 a month, leaving you with 250. in 20 years, you'd own the place outright. It probably wouldn't appreciate much, but it would be cash flow.
Just a thought.