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Thinking of retiring? Need or want an investment in real estate? Forget Costa Rica. Forget Mexico and Nicaragua. Panama is the gemstone of the Western He

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

misphere for retirees, for real estate investing, for privacy, for asset protection, for safety. Panama is considered to be the safest country in the Wester

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

Examples of combination products may in

Hemisphere. Its inflation rate is the lowest in the world, its growth rate among the highest. In part this is owing to the fact that its currency is the U

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

S. dollar. And you thought that Panama was simply some Central American banana republic. Well, you couldn’t have been more wrong.

When a visitor first set

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

sight on Panama City the response is virtually always the same: WOW. Panama real estate boasts some of the most beautiful and innovative architecture in t

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

Combination pro

e world. It has soaring skyscrapers set on a bay overlooking the entrance to the Panama Canal. Donald Trump has found his way to Panama with the constructi

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

n of the Trump Ocean Club, a $220 million real estate development on the bay overlooking the entrance to the Canal.

One can retire in Panama for a fraction

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

of what it would cost in the U.S., Canada, Europe or Australia. Boquete, which is near the Costa Rican border, has been selected by the AARP as one of the f

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

ur best places in the world for Americans to retire. And get this; the climate is so mild that the people there do not have air conditioners or heaters. On

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

can have a full time maid for as little as $200 per month.

Panama is now considered to be one of the world’s best financial centers, with more than 140 ban

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

s, more than 130 of them major international banks, such as HSBC, Bank of Tokyo, First National Bank of Chicago, BNP, American Express Bank, Deutsche Sudamer

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

Following aspects would a

kanische Bank, Banco do Brasil and many others.

Panama is a true asset protection and tax haven. It has no tax treaties with any other nation and does not

dd to the challenges in developing combination products:

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

mpose a tax on foreign-earned income. Funds of a non-criminal origin placed in a Panamanian private foundation are secure from creditors. Foreign judgments

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

are not recognized in Panama. Panama has a tax-free free trade manufacturing zone. Many Fortune 500 companies have their corporate offices in Panama. Pana

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

ma’s bandwidth capability is the same as that of New York City; however, NYC uses 70% of its bandwidth capability while Panama uses only 3%.

Foreigners are

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

rotected in their persons and property the same as Panamanians. Almost all real estate is owned in the name of a Panamanian international business company (

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

Professional from academic institutions, pharmaceutical industries, health care indust

BC), thereby providing privacy and asset protection to the owner. Panama has made a concerted effort to attract Americans (and others) to retire in Panama w

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

th a retiree visa that permits permanent residence and steep discounts on such things as medical and dental services, airline fares, restaurant bills, and so

.

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

on.

Leisure time activities include golf, bird watching, hiking, deep sea fishing, sun bathing, dining and more. In the final analysis, if you want safety,

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

Companies that provide selfless information through particip

security, peace of mind, affordable living, excellent real estate values, Panama will be difficult to beat, whether for retirement or for investment, or both

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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