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Mark Mason -- Chief Financial Officer Good morning. However, in case of sudden death of the market linked investments wells fargo policyholder, the insurance company will pay the sum assured (plus the bonus, if any) to the nominee of the policy. Market data provided by Factset.Mutual Fund and ETF data provided by Refinitiv Lipper. The capital invested and the interest payout, which is assured, has sovereign guarantee. And they'll continue to look at drivers that influence the stack as well, including G-SIB and balance sheet size, etc., and we'll see how that evolves.
SEC | Fox Business Wells Fargo Advisors to pay $5M over improper investment sales: When the symbol you want investidor profissional casa show to add appears, add ethereum classic good investment it to My Quotes by selecting it and pressing Enter/Return. I'd start by saying we continue to have very, very good dialogue with our clients across the franchise and specifically in investment banking. In the last two tax-free bond issues the effective yield, especially for high tax-bracket investors, compared favourably with taxable investment alternatives available at the same time. Again, the guidance for total revenues, unchanged, at down 5%, around -- or down mid-single digits, excuse me.As of the half, we're at down $2.2 billion as it relates to net interest revenues.
We're making significant strategic investments in product capabilities, technology and talent and have wow tailoring money making 5.4 already seen this in increased client acquisition. The policyholder pays a premium towards the ULIPs. We've been expanding and growing talent in the front line as well. Unit best superannuation investment options 2024 Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. There are pockets in commercial bank we're excited by.
A type of life insurance savings plan where a specific percentage of make money banner 125x125 the sum assured is regularly paid to the life assured, at pre-decided intervals, as survival benefit. And as has always been the case, it's going to be a mix in terms of the acquisition strategy. The money invested accrues interest as per pre-determined rate of interest and the guaranteed amount is paid out at specified intervals and on maturity.
We continue reinvestment rate retained earnings to invest in a culture of excellence and our own people, providing them with new leadership and growth opportunities. Instead of going to the post office each month, the interest can be directly credited to the savings account of the same post office. Liz has been with the Citi IR team since 2013 and has led the group since 2019. We've been expanding and growing talent in the front line as well. Lynn, you may begin.Elizabeth Lynn -- Investor Relations Thank you, operator.
Edelweiss Tokio Life Insurance offers a solution in the form of Savings and Investment Plans. We've enhanced our existing ranks with best-in-market hires in data, risk, strategy and controls, as well as in the front lines of wealth, the commercial bank and BCMA, in particular. And in fact, many of the areas, as I mentioned earlier and as Jane has mentioned, we know are going to contribute to continued strength in our earnings power, mobile money earning website so well capitalized. Incidentally, the Provident Fund has also started investing in stocks. Looking at the first half of 2021, total revenues declined 9% year over year and 10% in constant dollars, mainly driven by the normalization in fixed-income markets and lower card balances in consumer, although we did invest in penny stocks a guide to profitable trading see strong fee revenue growth across consumer and in ICG, excluding fixed-income markets. There are pockets in commercial bank we're excited by.
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And we're already a sizable player.3 in Asia, for example, where a lot of the growth is coming from. Fund Management Charges: There are about 7-10 different pension options, including pension for lifetime for self, after death to spouse quick business ideas to make quick money and post that the return of corpus to heirs. Where the money is invested, the proportion of invested funds, etc. And does the run rate that you're expecting to be at on expenses in the back half of in welche aktien sollte man investieren 2024 this year feel like that's the run investition finanzierung und besteuerung rate you'd go into next year with? ULIPs help you save systematically and help you plan for these future goals.
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So overall, we're seeing a rebound in list money making ideas activity, along with a consumer who is in a very healthy financial position, suggesting good momentum as we move into the back half of the year. PETERSBURG, FLORIDA"All in all it is still consistent with continued job growth overall. And I talked bestinvest select costs earlier about our ability to influence those levers.
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Jane, the only thing I'd add to that, we are already seeing good performance in the quarter, right? The monthly amount for investment are affordable to make Savings and Investment Plans mturk money making accessible for all income market neutral investing definition groups.Special rates for certain groups: There's a high level of client engagement with us at the moment really around the world and a lot of demand we're seeing, in addition to the investment banking side, the shift to e-commerce with clients needing our TTS services, our cross-border flows.
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Automation will drive efficiency and client experience, and investments in data will enhance revenues. Today's call will be hosted by Elizabeth Lynn, head of Citi investor relations. He has opted for NPS contribution by his company under Sec 80CCD(2) and also contributes on his own under Sec 80CCD(1b). Good how go make money fast in skyrim morning, and thank you, all, for joining us. Without long-term saving plans, it is difficult to balance short term needs and future goals.