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You should continue to grow your nest egg even when retired--unless you’ve been blessed with more money than you will ever spend! Last week I discussed in detail how retirees can boost their income without tak

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 on unnecessary risk. This week, I’ll explain ways you might safely grow your portfolio while minimizing risk.

I believe that higher returns can be achieved with less risk when the strategies used to 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

t in the stock market are tailored to market conditions. Unfortunately, few advisors recognize this need and leave their clients to ride the roller coaster of worry.

The traditional approach to growing a port

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

folio involves allocating a portion of the assets to large, medium, small and international stocks. The appropriate mutual fund is chosen and it is expected that once you put your money into it that you will k

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

eep it there for 5-10 years. Making changes prior to then, this approach says, reduces your chances of doing well.

This philosophy is based on the idea that stock market performance will be consistent with wh

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

Combination pro

at it’s done in the past. If large company stocks have averaged 10% over the last 50 years, they should average 10% in the future. And they may. But the question is how long will it take?

There may be extende

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

d periods of time where the markets perform significantly above their historic averages (the late 1990’s) and times when the stock markets perform well below their average (2000-2002). The buy and hold strateg

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

y is a valid strategy. Everyone should use it for a portion of their portfolio. That doesn’t mean that I want to rely on it when the economy is in recession!

If you are retired or near retirement, you can’t a

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

fford to base the safety of your nest egg on the hope that the markets will someday revert to their mean. That’s why so many are uncomfortable investing in the stock market. That’s why we’ve heard so many horr

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

or stories.

You can achieve the growth you desire while limiting your downside loss to less then 10%. The key to doing so is matching the strategy used to present market conditions. People lost money in the s

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

ock market from 2000-2002, not because there was a problem with the markets, but because they were relying on a strategy that works poorly in those conditions.

There is no such thing as a perfect strategy. Ea

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

Following aspects would a

ch has strengths and weaknesses. By analyzing the type of markets that should exist the next few years, you can then deploy those strategies designed to work best in that type of market. Don’t put all your egg

dd to the challenges in developing combination products:

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

s in one basket, though. I will bias a portfolio toward a particular strategy, but I utilize multiple strategies to reduce risk.

I’m basing my current growth strategy on several important facts about today’s

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

market conditions. First, the Bull market is entering its third or fourth year. That is longer then the historical norm. Second, that Bull market was fueled mainly by low interest rates. But short-term rates h

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

ave risen from a low of 1% to the current 4.5%, and are expected to rise further. Third, rising energy prices have crimped consumer spending, as well as spurring price increases across the board.

All these ta

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

ken together means that, although the underlying economy is very strong, it will be facing some stiff headwinds the next year or two. Most analysts expect only single digit returns from the indexes.

In market

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

Professional from academic institutions, pharmaceutical industries, health care indust

s where the indexes only produce single-digit returns, you don’t want to rely on index-oriented strategies. In those markets, individual stock picking and dividends take on much greater importance.

As a resul

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

t, I’m relying more on individual stocks or selected closed-end funds, especially ones that pay the investor first through healthy dividends. In fact, my growth-oriented portfolio of stocks produces an income

.

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

stream of 5-6% a year just from dividends!

Just as an experienced sailor has to adjust the sails to deal with changing winds, investors need to modify their strategies to take advantage of changing markets. D

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

Companies that provide selfless information through particip

on’t choose a skipper that sticks to only one strategy. Have an advisor that seeks to maximize your return, no matter what the market conditions. Doing so should provide growth while limiting your risk of loss

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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