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Literally billions of pounds remain invested in With Profits Funds, as they were the investment of choice for many Independent Financial Advise

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

rs & Bank based Advisers over several decades.

Investments issued by Life Assurance Companies (as opposed to their Unit Trust Divisions) such

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

Examples of combination products may in

as With Profit Bonds are generally highly inefficient from a tax point of view. They are ideally suited to individuals paying Income Tax at 40%

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

and habitually utilising their annual Capital Gains Tax (CGT) Allowances.

However, the vast majority of With Profit Bond Investors are not in

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

that category. All income and gains within the Bond are taxable on the Provider and you are unable to use your annual CGT Allowance, which curr

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

Combination pro

ently allows you to draw profits of up to ?8,800 per annum tax-free, to offset this tax.

A recent report, commissioned by the Government and d

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

awn-up by Industry Expert, Ron Sandler, concluded that there were a series of concerns about with-profits products from the perspective of comp

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

etition and efficiency. In particular, the review highlighted the opacity of with-profits in terms of being able to ascertain the true returns

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

on the funds invested. The review also focused on value-for-money, in so far as charges are not routinely reported to investors in the way they

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

are for other investment products. The ability for the Provider to make unilateral decisions on bonus payouts was also criticised.

From double

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

digit bonuses in the late 1980s and early 1990s returns have in some cases collapsed. Some Bonds issued by previously leading With Profits Pro

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

Following aspects would a

viders are paying nothing in the way of Annual Bonuses and many others are paying less than 1% per annum. Even the current market leaders are p

dd to the challenges in developing combination products:

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

ying no more than 3.25% per annum.With some Bonds, following the recent strong performance of share markets, there is no longer a Market Value

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

Reduction (MVR) (some provider prefer to call this a Market Value Adjustment (MVA)) being applied.

With other Bonds the MVR has been reduced,

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

but not removed altogether. Unfortunately, however, a number of Providers are continuing to maintain high MVRs. Many in this latter category ha

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

e not participated in the recovery in share markets because the Actuary has forced the Investment Managers to substantially reduce the exposure

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

Professional from academic institutions, pharmaceutical industries, health care indust

to this asset class. In this case there is a "double whammy" - the likelihood that the MVR may never be removed and continuing poor long-term

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

returns, meaning little or no profits to distribute by way of bonuses.

With the relatively high Stockmarket content to the underlying portfoli

.

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

, which is what gives rise to the MVRs, With Profits Funds are generally outside of the risk profile of many Investors.

If you believe that yo

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

Companies that provide selfless information through particip

u have been mis-sold your investment bond – please contact the institution that sold the policy or contact a third party specialist company now

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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