Advice You - Finance

The only reason for earning a fat salary is not to blow it away for the good times; a sensible opti

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

on can be to save some for future when destiny decides to pick on you. Putting some money aside in

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

Examples of combination products may in

savings account is the safest bet, as the ‘market’ can be a tricky territory to tread!

Ope

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

ing a savings account in UK is easier than gobbling up a delicious piece of cake. All one ha

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

to do is to walk up too any high street bank, preferably a big name ICICI, Sainsbury, Citibank, Ha

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

Combination pro

ifax, Amex etc, and open an account for as low as ?1! You can easily open an easy access savings

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

account and ‘bond or terms’ account with a minimum investment of ?1, although for a notice acco

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

nt you will require a whole bundle (at least 1000 bucks to be precise). So there are different type

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

of accounts for different needs, you can easily select yours according to your means and requireme

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

ts.

The interest rates that you will get, differs from bank to bank and account to account as well

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

The rates will be slightly lower in an easy access savings account but then you will get in

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

Following aspects would a

tant access to your money whenever you need it and no notice or penalties for on the accounts. In a

dd to the challenges in developing combination products:

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

notice account the rate of interest is on the higher side but in case you have to make any instant

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

r immediate withdrawal you have to pay a little penalty to the bank.

The highest interest is paid

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

y the bonds or terms savings account, but here the catch is you don’t have instant access to

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

your money and can touch it only after a stipulated time. There are other options like a regular

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

Professional from academic institutions, pharmaceutical industries, health care indust

savings account, tax-free accounts and few others but will talk about it another day! As for no

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

all I can say is no one can foresee the future and one should be ready to tackle the issues waitin

.

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

for you in the future (yes there will be a few, life is not a fairy tale) and by having a plan B t

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

Companies that provide selfless information through particip

every problem that raises its head, you can actually give your life a “…happily ever after” ending

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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