In at least Photoshop, Illustrator and InDesign CS5 (maybe other programs/versions too), if you go to Window > Extensions > Kuler, you get a palette with preset color palettes that compliment each other, as well as a tool to help you make new ones. Then you can save it to the Kuler list, or to your Swatches palette.
pano to. what? //not a photoshop person, but I’ve never seen 5 colors selected at a time on a color palette.