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At some point you will need to make changes to your investment portfolio. Often, investors and their advisors make wholesale changes all at once. But that’s not really in your best interest. Read on t

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

o find out how to successfully adjust your portfolio.

In a previous article I discussed the importance of matching the investment strategy used to expected market conditions. Using the wrong strategy

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

Examples of combination products may in

at the wrong time can be devastating—as many found out in 2000-2002. In follow up articles I provided specific strategies to significantly increase portfolio income, and other strategies designed to d

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

uble your money every 5-7 years in single-digit return markets.

Perhaps you’ve decided to make changes to your portfolio. It may be to take advantage of the strategies I’ve discussed. Or it could be

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

ecause your life situation and needs have changed. Or it might be that you’ve neglected your portfolio garden and there are as many weeds as vegetables. Regardless of the reason, keep these steps in m

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

Combination pro

ind. They’re the ones I follow when transitioning a client’s portfolio.

1) You need to analyze your existing portfolio. Take a close inventory of your investments and research their performance. The

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

ast thing you want to do is to cut down the wrong plants while you are weeding your garden!

You can find performance information for many investments at www.morningstar.com. It takes more work but it

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

s better to calculate your actual return. Subtract what you invested into a particular holding from what it’s worth now. If dividends and interest aren’t being reinvested, then add any dividends/inter

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

st paid to that figure. Divide that figure by your initial amount invested. For instance, if the result is .015, then that investment earned 1.5%. Look at that return in relation to the length of time

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

you’ve held it to determine whether or not it needs to go.

2) You may need to change your attitude toward investments. It’s easy to become attached to a particular investment. Don’t. It’s there to m

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

ke you money. If it does, great. If not, find another that will. Constantly ask yourself, “If I were investing this money today, would I buy this investment?” If not, then it’s a weed.

3) See if ther

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

Following aspects would a

are surrender penalties or other charges associated with getting rid of the weeds. If it is a mutual fund, there are penalties associated with B shares and sometimes with C shares. Annuities are noto

dd to the challenges in developing combination products:

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

ious for onerous penalties.

4) Wait for the right time to sell your weeds. There may be an investment that you want to change that is currently trending up. Don’t sell it then; wait until it starts t

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

o decline in value. Doing this for my clients has earned them several percent just by watching and waiting.

5) Conversely, after the weed is sold, don’t feel rushed to jump right into another investm

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

nt. There are cycles to every type of investment. Wait for the right time. If it’s a stock, determine a buy ceiling—you’ll only buy it if it trades at or below that price. Then wait. Even if it takes

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

onths, it’s better to keep that money in cash than to pay too much.

6) Closely tend your new garden. We can’t throw some seeds in the ground, ignore them and expect to come back later to reap a harve

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

Professional from academic institutions, pharmaceutical industries, health care indust

t. Gardens must be tended. So does a portfolio. No matter what the investment, it is important for you to monitor each one and to make adjustments when necessary.

Many advisors want you to think that

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

if you buy a certain product, all your worries will be gone. You can set it and forget it, they say. It’s not true. In these cases, they are the ones who are going to set it and forget it! You’re bet

.

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

er on your own than using one of these advisors.

Like gardening, investing is hard work. There are some that really enjoy it, while others just want the harvest. If you don’t have the time to properl

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

Companies that provide selfless information through particip

tend your garden then find a professional who will do it for you. Ask them how they would transition your portfolio. If they don’t follow these steps it’s a clear sign they aren’t the advisor for you

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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