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Don’t you love those ads in the paper and on TV saying how much their mutual fund has made over the past 3, 5 and 10 years? I

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

get all choked up. Hind sight is always 20/20. If Mr. Investor had known that he would be in clover today, BUT …..

It seems

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

Examples of combination products may in

that during the past few months, in fact for more than a year 90% of all mutual funds are lucky to be even. Even. Even doesn’t

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

cut it so what can an investor do when the market starts down as it has been doing lately? The Dow Jones Industrial Average

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

as lost 500 points. What if it drops like it did in 2000 when the NASDAQ lost 78% of it value and 7 trillion (yes, that’s a T

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

Combination pro

) dollars.

Will your broker call you to tell you to sell? Did he tell you that last time? According to statistics less than 2

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 Wall Street recommendations in that bear market were to sell. Is the tune going to change this time? Hardly. You are on

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

your own again. Either you take charge or you will lose your money.

Some people run to Morningstar for mutual fund recommenda

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

ions. If you will look at their 5-Star Mutual Funds you will see they sank into the slime along with all the others. Mornings

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

tar follows the Wall Street line so you can’t rely on them.

Who can you rely upon to protect your investments?

One person.

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

YOU!

Don’t tell me you can’t do it because you don’t know enough. Obviously any blind hog could have found more acorns in the

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

Following aspects would a

years 2000 to 2003 than your broker.

The first consideration is protection of what you have now. If the fund you bought at $

dd to the challenges in developing combination products:

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

0 went to $40 would you be happy if it went back to $20? Not really. So you have to decide right now how much you are willing

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

to give back. One of the basic rules of thumb is 10% from its highest closing price. If it drops below $36 sell it because y

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

ou don’t know how far “down” is. This is protection against a major loss. If investors will look at the history of the funds

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

they own they will see that a 50% loss is common and that means the investor would have to earn 100% to make up for that loss.

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

Professional from academic institutions, pharmaceutical industries, health care indust

Fund managers usually aren’t that smart.

The professionals let the market tell them when to get in and more importantly when

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

to get out. The great secret of the stock market is not buying. It is selling. Investors who have an exit strategy are those

.

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

who end up with big money. There are many good exit methods, but they must be put into place and acted upon when the appropri

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

Companies that provide selfless information through particip

ate time occurs.

There are many good long term investment plans and all of them have periods when the best investment is cash

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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Ok, we admit it, this is even a good trading week for us. A couple of weeks ago, when we made 700 pips we did it in a market that was incredibly volatile. There were 300 pip ranges throughout the week.

If you’re like most North American people today, you go through life carrying a fair amount of credit card debt. And if you’re like most North American people, you’re okay with that. $100 per month in repayments is fine.

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