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Investing for the future is one of those things that can be difficult. None of us know exactly what the future is and where to put our money. Many more of us know almost nothing a

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

bout investing and prefer to use seasoned professionals. In the end we are left with little control over the fate of our retirement.

Conventional Wisdom:

Conventional wisdom say

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

s live below your means, invest, and the government will chip in the rest. We get there through education and working hard. For the Baby Boomers this made sense but many are now i

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

trouble as retirement is only a few years off and more than 50% have less than $100,000 in their retirement accounts.

During the era of the baby boomers the mentality drew from

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

their parents which typically lived through the Great Depression. During this time there was little employment, difficulty starting businesses and a general feeling that one must

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

ave in order to ward off serious poverty. The “rainy day” mentality has never left us.

A Changed Economy:

The economy is definitely going to change in the next 20-30 years. Some

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

of the changes that are happening are the retirement of a large section of the population which will need to be taken care of (possible bankruptcy of Medicare & Social Security),

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

the rise of oil prices ($4 to $5 a gallon) that will slow the economy down, huge national debt that exceeds our ability to pay for it (without rampant inflation from printing mone

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

y), and environmental change (lack of water).

When the economy changes we will need to change with it. That means society will shift to the owners of production and the workers t

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

ereby shrinking the middle class. Thus we will be a rich/poor society that will be dramatically different than it is today. All of the conventional wisdom people have been relying

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

on for years will be wiped away or eat up by inflation.

Investing in a New Society:

The new society will require a much more sophisticated investor than what was necessary duri

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

ng our parent’s time. Even though the basics of investing are the same such as risk vs. reward, diversification, living below your means, etc. are the same the types of investment

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

and the amount of risk people are willing to make should change.

Diversity no longer includes mutual funds only but the mix of investments in stocks, bonds, real estate, busines

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

s, and others. The more different sectors of the society you invest in the better chance you have of whether declines in the market. For example, real estate may further be invest

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

d in vacant land, apartments (income generating), office buildings or houses.

Risk is a natural part of getting a return. Generally the higher the risk the more money to be made

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

but also the more likely it is to lose that money. The same can be said for low risk low returns. In today’s market there is some fear that inflation could eat away at one’s gains

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

Let us say that you are in a fund that pays 6% interest. Not bad? The only problem is that a 2006 inflation rate of 3.5% just left with an increase of 2.5%. Ummm…not very good!

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

If you really wanted a 6% return you would have to make a 9.5% return on all of your investments.

If you follow the advice of mutual fund investors there is a good chance you won

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

t have much when retirement comes. That means you are going to have to take some risk by investing less in blue chips stocks and more in small to medium businesses. The key to avo

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

iding collapse is to diversify your portfolio with a basket of smaller companies and investments that have nothing to do with the stock market (i.e. real estate, businesses, etc.)

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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Distribution is the process of purchasing, storing, and distributing products when required. Wholesale distribution is the process of purchasing the products directly from the suppliers or manufacturers and reselling them to the retailers without transforming them in any way. They products are stored in warehouses and sold when there is a demand.

For free agents, independent professionals and freelancers, one of the most difficult yet important tasks is picking the right name for your business. In this article, I share some ideas and thoughts that should help you with this daunting choice.

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