Shortfall is a term we use to indicate a withdrawal from an account to pay expenses modeled in your plan and it differs from a net savings drawdown.

The best place to view your Net Savings Drawdowns is the Lifetime Income Projection Chart.

Shortfall indicates a withdrawal from an account to pay expenses modeled in your plan. Although we fund most of your expenses on an annual basis, there may be capital gains tax payments, one time expenses, and disbursements that occur within the year. When we fund these intra-year expenses, they may exceed your account balance and result in a shortfall. When these shortfalls are made up later in the year, there is no net savings drawdown.

This is why you may see shortfalls in your Insights > Estimated Income, Drawdowns, and Debt Chart, while there is no net savings drawdown in the year.