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Everybody wants to find the secret to investing on Wall Street. But the truth is, you don’t have to be a genius to be a successful equity investor. And you don’t have to lock your money into

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

restrictive investments like equity indexed annuities (EIAs), either. In this article I’ll explain several growth oriented investments that I feel are far better than an EIA.

This article is

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

Examples of combination products may in

one in a series of articles on EIAs.

The opportunity for growth in an EIA is based on the performance of an index. When someone invests in an EIA, they typically have several different inde

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

xes they can choose from. An index is simply a means of tracking a group of investments. Typically, EIAs will offer indexes that track the S&P 500, the NASDAQ or the bond market.

EIAs restri

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

t your growth opportunity. Most place a limit on how much you can earn in any one year. If the ‘cap’ is at 10% and the underlying index goes up 25% or 50% like it did in 2003 you will only ea

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

Combination pro

rn the cap of 10%. And even if the underlying index goes up 10%, that doesn’t mean you will earn 10% because many annuities only allow you to participate in a portion of the return of the ind

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

ex or they have internal charges that would reduce your return by 1-2%.

One great alternative for the growth portion of your money would be a No-Load Index Fund based on the S&P 500 index. T

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

hese are available from many mutual fund companies including Vanguard. Since they are not actively managed they have low internal fees. Since they are No-Load, there aren’t any commissions to

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

pay so you don’t have any automatic surrender penalties. This gives you the flexibility to take your money out or rearrange it whenever you want to or need to. And you don’t have to share a p

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

ortion of your return with an insurance company.

Exchange Traded Funds (ETFs) are another alternative. They work just like the Index Fund described above but typically have even lower intern

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

al expenses. ETFs can be bought and sold any time throughout the day whereas mutual funds can only be bought or sold at the end of the day. When the market is undergoing a significant correct

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

Following aspects would a

ion, the ability to get in or out during the day can be helpful. There are transactions fees associated with ETFs so they should only be used in amounts greater than $25,000.

Actively manage

dd to the challenges in developing combination products:

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

mutual funds that invest in stocks are another great way to invest. For instance, I use several No-Load mutual funds for my clients that have consistently out-performed the S&P 500. The adva

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

ntage of an actively managed mutual fund over an unmanaged index fund is that the money manager isn’t required to own every stock in the underlying index. They can pick and choose the ones th

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

at have the best opportunity. They can sell stocks that become more risky (think Enron and Worldcom) and they can move money to cash during periods of market decline.

Lastly, Real Estate Inv

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

estment Trusts (REITs) are a good alternative for the growth portion of your money. In addition to their ability to provide a steady income stream mentioned above, they also have the ability

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

Professional from academic institutions, pharmaceutical industries, health care indust

o grow over time. If you don’t need the current income, it can be reinvested to compound and further enhance the return. Additionally, REITs do not fluctuate in price based on the stock marke

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

t or interest rates. Because of this, having a portion of your money in REITs can reduce the volatility of your portfolio while increasing its return.

So as you can see, there are many viabl

.

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

e alternatives to investing in an EIA. In my opinion, these alternatives are better because they give you greater flexibility to use your money if and when you need to, to make changes should

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

Companies that provide selfless information through particip

the investment not perform as you expect, to reduce your overall risk by spreading your eggs among a greater number of baskets and they allow you to earn a higher overall return than the EIA

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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