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Forget ordinary money market investments now. Think big and get real, for, Certificates of Deposits (CDs) is one surefire way to help your f

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

unds grow and earn high interest rates. However, there is one condition to having CDs. Your money is locked for a specific term and does not

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

Examples of combination products may in

stay liquid anymore. This term generally ranges between one month and five years. If you withdraw money before its maturity, you lose a good

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

deal of interest as a penalty.

CDs offer some of the best interest rates, but the funny thing about these is that you will never be able t

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

predict the peaks or troughs. Trying to predict the future path of interest rates is not just an impossibility, but also silly. No matter h

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

Combination pro

ow much facts and figures you have at your disposal, you will never know for sure! So why get into foretelling? Instead, take recourse to th

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

ladder strategy in CD investment.

What’s that? The obvious question.

Bankers today don’t just rely on good banks to get good returns on 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

heir investments. Most are now turning to the laddering strategy. This gives some of the highest interest rates and you’ll soon know why.

I

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

’s simple. Suppose you have $50,000 to invest. Normally one would think of putting the entire money into one CD. But in that case you run th

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

e risk of having no money at some emergency. You will be forced to go against rules, withdraw money and pay a penalty. Now the ladder method

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

would recommend the same amount to be invested into five smaller CDs of $10,000 each with staggered maturity dates. Say the first CD of $10,

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

Following aspects would a

000 has a one-year term, the second a two-year, the third a three-year and so on. This way you have one CD to mature at the end of each year

dd to the challenges in developing combination products:

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

for five years; and you can take proceeds from one that matures to invest on another five-rung ladder like the one you already have. Every y

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

ear you repeat the process and what you ultimately get is a steady availability of money, along with good interests.

One advantage of strat

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

gic laddering is that all risks of betting huge CD money on dicey predictions are eliminated. Another advantage is that you always have some

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

CD money to meet emergency needs. Also, you are almost always assured of the high

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

Professional from academic institutions, pharmaceutical industries, health care indust

st CD rates while laddering. Simply because, if you have invested on CDs with banks or other institutions that pay higher rates than

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

their competitors, a continuous ladder would obviously mean more and more money.

But ensure that the maturities are in accordance with you

.

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

cash budget. It’s not a good idea to start laddering without assessing your financial situation. In that case you would only end up meeting

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

Companies that provide selfless information through particip

a dire money crunch and being hesitant to withdraw your locked investment. So, think, assess, plan and then enjoy the benefits of laddering

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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Foreign investors need to familiarize themselves with the Chinese business culture before entering into the China market. As China is a relatively new market compared to the others, not many are familiar with the way the Chinese carry out their businesses.

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