Introduction
Turning Structure Into Sustainable Profit
A Funded Account is a live trading account provided by a proprietary firm after a trader successfully passes the Challenge and Evaluation phases.
At this stage, traders are no longer being tested, they’re being trusted.
The goal is to maintain the same discipline and data-driven process that earned the funding in the first place.
What Is A Funded Account?
The Definition:
📊 A Funded Account is an account provided by a proprietary trading firm
where you trade their capital instead of your own.
You pass a challenge or evaluation,
prove your consistency,
and gain access to a funded trading account.
Well-known funded firms include:
FTMO
The Funded Trader
MyFundedFX
Fidelcrest
True Forex Funds
The 5%ers
Funded Trading Plus
SurgeTrader
💬 In simple terms:
Funded Account = trading with someone else’s capital under strict rules.
📍 Funding gives you opportunity, rules keep you in check.
How Does A Funded Account Work?
Each firm’s structure varies slightly, but most funded programs include:
- Profit Split: Traders earn a percentage of profits (commonly 70%–90%).
- Drawdown Rules: Same daily and total limits as the Evaluation phase.
- Payout Thresholds: Minimum profit required before withdrawals.
- Scaling Plans: If consistency continues, capital allocations increase.
- Breach Conditions: Violating rules can result in account termination.
📍 This is where trading turns professional.
You’re managing external capital, and your ability to protect it defines your longevity.
What Separates Funded Traders From Average Traders?
Advanced traders know: getting funded is easy. Staying funded is mastery.
Retail Mindset | Advanced Mindset |
“I’ve made it, now I can trade freely.” | “Now I manage risk like a business.” |
“Big account = big trades.” | “Big account = big responsibility.” |
“I’ll chase higher profits.” | “I’ll protect consistency and scale slowly.” |
“I passed, I’m done.” | “I passed, now I start over with structure.” |
📊 Professionalism isn’t measured by profit, it’s measured by control.
Why Journaling Is Essential For Funded Traders
Funding magnifies both your strengths and your weaknesses.
That’s why tracking your behavior, drawdown, and results in real time is non-negotiable.
- Automatic Trade Logging: Record every live trade from your platform in one click.
- AI Performance Analysis: Detect behavioral patterns and risk tendencies.
- Drawdown Tracking: Compare current losses vs firm limits in real time.
- Profit Split Planning: Forecast payouts based on performance data.
- Scaling Readiness Reports: Identify when your consistency qualifies you for capital increases.
📊 By journaling each decision, you transform your funded account from risk capital into a growth engine.
Example
Keeping a Funded Account Alive
A trader earns funding with FTMO.
Instead of chasing payouts,
they follow their routine:
One A+ setup a day
0.5% risk per trade
Only London & NY sessions
No trading during emotional days
Results?
Steady payouts.
Low stress.
Long-term survival.
Another trader gets funded with MyFundedFX.
They overtrade after a win,
hit max daily drawdown,
and lose the account.
💬 Funding doesn’t change the trader, it reveals them.
The Do Nots
Common Mistakes Traders Make
❌ Trading emotionally after payouts.
❌ Ignoring rule reminders or firm updates.
❌ Risking more after drawdowns to “recover.”
❌ Abandoning journaling once funded.
💡 Passing gets you funded. Journaling keeps you funded.
Discipline doesn’t stop when you receive capital, that’s when it matters most.
Final Thoughts
A Funded Account is one of the best opportunities
for retail traders to trade professionally.
But capital alone won’t make you profitable.
Consistency, discipline,
and emotional control will.
Trade with structure.
Respect the rules.
Protect the account.