Personal finance management has become increasingly important over the past decade as disposable incomes have risen and consumer awareness of equity-based investments has grown. While the mid to late nineties witnessed one of the most profitable bull runs in history, the technology meltdown and dotcom fallout has precipitated a fall in global equity indices resulting in the present bear market with no immediate signs of a rebound. This executive report examines key business trends and resulting technology opportunities in the European retail asset management market and details key action points for asset managers and technology vendors.