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It’s vital that your nest egg last longer than you do. The only way for that to occur is if the nest egg continues to grow over time. If you take out more than you earn you are guaranteed to run out of mone

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

y at some point. If your nest egg continues to grow, though, it will always last longer than you.

Last week, I talked about the two financial issues that must be dealt with in retirement. The first is how

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

Examples of combination products may in

uch money you can receive on a monthly basis. The second issue is how long you will live. (Read that article at www.guardingyourwealth.com) The bottom line is that you need your income and your nest egg to

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

continue increasing throughout your life.

I believe it’s possible to do this by making a few, simple adjustments in the way you view retirement investing. Specifically, when it comes to managing their reti

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

ement portfolio, a retiree needs to think in terms of ‘cash-flow’ instead of ‘income’.

Many find the decision to retire a very difficult one to make. Not having to ‘punch the pay clock’ every day is certai

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

Combination pro

nly appealing. The realization that there won’t be any more company pay checks is frightening.

When a retiree thinks of replacing that paycheck he or she typically thinks in terms of income. “The pay check

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

provided income. Since I’ll no longer receive the pay check, I instead need to replace it with income from my investments.”

Retirees want to keep their principal intact, so they need to be able to earn eno

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

ugh interest to live off of, right? Wrong.

From an investment point of view, income is thought of in terms of the interest. Investments that generate interest include things like certificates of deposit, g

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

vernment bonds and corporate bonds. On the other hand, investments such as stocks and real estate are thought of as growth investments.

Traditional financial planning confuses the terms ‘safe’ and ‘stable’

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

when it says you should transition your portfolio from a growth focus to an income focus. That means increasing the bond portion of the portfolio and decreasing the stock portion. That’s also why the tradi

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

ional approach is typically only able to generate a 4% income stream.

This thinking is flawed. Which is ‘safer’ over the next 40 years—a portfolio that continues to grow and that allows you to have a highe

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

Following aspects would a

r level of increasing income or one that only grows enough to allow you to barely get by? The second one is more ‘stable’ because it doesn’t fluctuate as much, but that stability might mean running out of m

dd to the challenges in developing combination products:

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

ney.

‘Cash flow’ is different than income. Cash flow focuses more on the ability to continue to steadily deliver monies to replace that paycheck. But it’s not tied to certain types of investments.

Picture

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

a bucket with a small hole in the bottom. If there is enough water in the bucket, the water flowing out the bottom can continue without additional water being added. As long as additional water is added in

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

time, the outward flow doesn’t change. That’s ‘cash flow.’

Now, think of a money market account as your retirement bucket. Each month a pay check can be electronically transferred into your daily checking

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

account. As your money manager, my job is to manage the portfolio such that I refill the ‘bucket’ when needed.

That freedom allows me to use investments that should provide a higher rate of return, such as

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

Professional from academic institutions, pharmaceutical industries, health care indust

stocks and real estate, but where the return may come more from an increasing share price instead of interest. When it comes time to replenish the bucket, I can determine where to get those funds based on m

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

arket, economic and performance conditions.

I mentioned Joe in my last article. The key to providing Joe his paycheck while growing his portfolio is that I don’t have to put most of his money into interest

.

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

type investments. Instead, I manage his portfolio to generate a higher overall rate of return.

Using these techniques, a properly managed portfolio should be able to sustain a withdrawal rate of around 7%

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

Companies that provide selfless information through particip

while still growing the nest egg. But it must be managed properly. You can apply these same principles yourself, and it’s easier than you think. Contact me for a free special report that explores that issue

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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