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The Perfect Portfolio is more than simply a hardcopy book. It also includes a supplemental component that you access via the Web. The use of this supplement is not required, yet I encourage you to do so in order to take full advantage of this book. The online supplement simply provides you with a richer and more convenient learning experience.

Throughout the book, I will alert you to instances where you will benefit from accessing an online resource found in the supplement.

Below is a list of the resources and benefits that you will find in the online supplement.

• Worksheets: At various stages of this book I will suggest that you go to the Web and collect data. For this purpose you will use specially designed data collection worksheets. You can easily create these worksheets on your own or, for greater convenience, you can access each in the form of a PDF file found in the online supplement and print it. 
  
  

• Calculators: At various points in this book I show the use of calculators for such purposes as determining the expected returns for various portfolio configurations. These are easy calculations that you can do with your own calculator; however, a more convenient method is to simply access the online calculators in the supplement. 
  
  

• Expanded Information and Education: This book covers a lot of ground and if I covered every topic in detail it would be over a thousand pages in length. Therefore, in the online supplement I provide Web sites where you can find more detailed discussions of specific topics. For example, while I discuss in this book what Exchange Traded Funds (ETFs) are and how they are used, you may wish to learn more. For this purpose I provide one or more Web links in the online supplement where you can go to get additional information on ETFs. 
  
  

• Updated Web References: Anytime a hardcopy book lists a Web site address there is a danger that it can become outdated. To guard against this, the online supplement contains Web references that are constantly updated. If a Web site mentioned in this book seems to be no longer valid or doesn’t work as described, you can go to the supplement to get updated information.

It is important to repeat that use of the supplemental online component is optional. It exists for your convenience only. Having said this, I truly believe that a book combined with a closely integrated online component is the future of all financial publications. The Perfect Portfolio is at the vanguard of this exciting, and inevitable new trend in financial publishing.