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Answers - Do-it-Yourself Retirement Plan
For your retirement plan, do you have to rely on financial advisers? Or can you build your own retirement plan? Yes, it is possi
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
ble to run your own retirement plan, and in many countries you are allowed to do so.
But building a retirement plan takes time
But building a retirement plan takes time
; 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
nd effort it is no good just putting your money into one thing like a group of equities and leave them alone. You might scan 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.
he financial pages of the paper one day to find your retirement plan had lost 30-50% of its value!
To build your own retirement
To build your own retirement
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
plan, you will need to spend, say, an hour a week managing it, and more time reading.
How does the Big Picture affect your reti
How does the Big Picture affect your reti
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
rement plan?
The reason you need to keep in touch with what is happening in the investment world is that you need to see the Bi
The reason you need to keep in touch with what is happening in the investment world is that you need to see the Bi
ucts have become life saving products for the pharmaceutical companies who doesnt have many innovative molecules in their product pipeline and have been inc
Picture well to make your retirement plan work. What do I mean?
You need to know:
1. Whether the economy is growing or flaggi
You need to know:
1. Whether the economy is growing or flaggi
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
ng or in recession.
2.
What is expected to happen with inflation over the next two years or so and keep getting it right.
3
2.
What is expected to happen with inflation over the next two years or so and keep getting it right.
3
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
Is the stock market in an uptrend, going sideway, or going down these trends can last from one to 10 years.
4.
How high ar
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
e interest rates relative to inflation.
Here are some examples. If real inflation was zero, and interest rates were 10% - you m
Here are some examples. If real inflation was zero, and interest rates were 10% - you m
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
ght just stick bonds in your retirement plan. It would be that simple.
Alternatively, if you knew that the stock market had jus
Alternatively, if you knew that the stock market had jus
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
embarked on an uptrend that would last ten years then you might put good quality stocks in your retirement plan.
If inflatio
If inflatio
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
n is growing, and likely to grow in the future, then you might want to put lots of property, gold and/or silver coins or bullion
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
and collectibles in your retirement plan.
These are just extreme examples. However, life is rarely like that, while investment
These are just extreme examples. However, life is rarely like that, while investment
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
advisers who are mostly salesmen will tell you that the outlook is good for stocks whatever is happening. Generally, it is n
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
cessary to have some of your retirement plan invested in government bonds, some in stocks and some in property bonds. If the sto
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
ck market is weak, then a Bear Fund may be appropriate.
If you are prepared to study the stock market, and follow the long tren
If you are prepared to study the stock market, and follow the long tren
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
s, it may be worth managing your own retirement plan. However, you should seek professional advice whatever you do.
Disclaimer:
Disclaimer:
.
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
This information is not intended as investment advice, but is intended to show how things can behave differently at different t
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
mes. Do not use this information as investment advice for your retirement plan or anything else consult a professional advisor
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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