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Write You - Investing - Investing Ain't What It Used To Be
Heads up, retirees! If you depend on your investments to maintain your standard of living you need to know times have changed. Unless you recognize these changes and adjust how you invest you could be putt
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
ing your lifestyle at risk.
In today’s environment, you need to maintain the ability to quickly and easily make changes to your portfolio. You should be able to change individual investments, change inves
In today’s environment, you need to maintain the ability to quickly and easily make changes to your portfolio. You should be able to change individual investments, change inves
; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.
Examples of combination products may in
Examples of combination products may in
ment products and even change advisors without incurring automatic penalties.
Many of the popular investment products being recommended to seniors today, especially variable or equity-indexed annuities, r
Many of the popular investment products being recommended to seniors today, especially variable or equity-indexed annuities, r
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
ob you of this ability. The result is that you can be trapped in an investment that doesn’t perform well and no longer meets your needs. Or worse yet, sudden misfortune could cause you to tap those funds u
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
expectedly.
Investing used to be much simpler. It used to be that you could buy stock in a quality company, set it in a drawer, and forget about it. But that’s certainly not the case today. Many companies
Investing used to be much simpler. It used to be that you could buy stock in a quality company, set it in a drawer, and forget about it. But that’s certainly not the case today. Many companies
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
once considered safe investments no longer exist. On top of that, some corporate managers line their pockets, in effect, stealing from their shareholders.
Investing choices used to be much simpler, too. I
Investing choices used to be much simpler, too. I
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
ndividual stocks and bonds, mutual funds and CDs were the building blocks of your parents’ portfolios. But today, you have to choose between thousands of mutual funds, annuities of all sorts, index funds,
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
xchange-traded funds, or TIPS to name a few.
Where to invest has also become more complicated. Recent legislation has blurred the lines between banks, brokerage and insurance companies. You are bombarded
Where to invest has also become more complicated. Recent legislation has blurred the lines between banks, brokerage and insurance companies. You are bombarded
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
by advertising with everyone claiming to have the answers to all your financial problems.
Unfortunately, many of these providers are great on selling you their services, but lousy when it comes to actuall
Unfortunately, many of these providers are great on selling you their services, but lousy when it comes to actuall
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
managing your money. After they’ve earned their commission, they often take the set-it-and-forget-it approach. They rarely adjust your portfolio due to economic and market cycles, corporate scandals and t
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
e like. You sure don’t want to chain yourself to an under-performing advisor because of high commissions or surrender penalties.
Current scandals in the financial industry have further muddied the waters
Current scandals in the financial industry have further muddied the waters
ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.
Following aspects would a
Following aspects would a
for investors. There is fraudulent after-hours trading and Big Investors get treated differently from you and me. Highly revered mutual fund companies can become embroiled in scandal.
What if your mutual
What if your mutual
dd to the challenges in developing combination products:
Which markets to tap where the combination products can do fairly well?
Which combination prod
Which markets to tap where the combination products can do fairly well?
Which combination prod
und company came under scrutiny? Wouldn’t you want the flexibility to move your money elsewhere, without having to worry about earning back the big commission you paid? Or what it you’re in a variable annu
cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
ity with limited choices? You don’t want to be chained to any investment or product.
A decade ago, the risk of terrorism in the U.S. wasn’t even considered. Now, with the 9/11 attacks (and recently the 3/
A decade ago, the risk of terrorism in the U.S. wasn’t even considered. Now, with the 9/11 attacks (and recently the 3/
tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
1 attack in Spain), the risk of a terrorist event and the resulting market upheaval is something every investor must consider.
Personal needs have become more complicated as well. People are living longer
Personal needs have become more complicated as well. People are living longer
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
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
so their money has to last longer. Health care costs continue to go through the roof. Lives can change in an instant, so you should have the ability to get at your money if and when you need it, without be
ping new procedures for reviewing their safety, efficacy and quality.
Professional from academic institutions, pharmaceutical industries, health care indust
Professional from academic institutions, pharmaceutical industries, health care indust
ing forced to pay automatic penalties.
If you are concerned about keeping what you’ve worked hard for, you must have the flexibility to quickly move your investments to safety—sometimes in the matter of m
If you are concerned about keeping what you’ve worked hard for, you must have the flexibility to quickly move your investments to safety—sometimes in the matter of m
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
nutes as opposed to having to wait until the end of the day. Popular investment products today such as Variable Annuities and Equity-Indexed Annuities do not provide this flexibility.
You won’t hear this
You won’t hear this
.
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
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
from your typical broker, insurance agent or advisor. They are the ones trying to sell you a Variable Annuity or an Equity-Indexed Annuity. They don’t get it. They don’t see anything wrong with you being h
elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.
Companies that provide selfless information through particip
Companies that provide selfless information through particip
ndcuffed to an investment for 7, 10, 12 years or longer just so they can earn an enormous commission.
Don’t do it! Don’t let any advisor take away your ability to control your money. There is a better way
Don’t do it! Don’t let any advisor take away your ability to control your money. There is a better way
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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