FAQ’s

Funded Trading
Frequently Asked Questions

T4TCapitalFM™
Funded Trading Program

These are the most common questions asked over the last few years, we hope these help.

General

The only way to get a T4TCapitalFM™ Funded Account is by successfully passing our Funding Challenge. To pass the Funding Challenge you need to:

  1. Reach your accounts profit target without breaching any of the drawdown limits.
  2. Your best day profit cannot exceed 50% of your total profits made.

The Profit Target is calculated after all open trades are closed. This means that any open trades will need to be closed before you can be considered for completion of the Funding Challenge.

You have as much time as you need to pass the Funding Challenge. Once you pass the Funding Challenge you will receive your T4TCapitalFM™ Funded Account within 24 hours of passing the Funding Challenge.

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The total number of Challenge and Live Funded Accounts per user is as follows:

Users can have as many $50K & $100K Challenge accounts as they like but they are limited to an initial $200K of live funding capital. The users verified accounts will be merged into one trading account. They can then scale up that consolidated account higher following our live account scaling program.

Example 1, if a trader has 2 x $50K Challenge and they are verified as passing the Challenge, then the trader will be provided with 1 x $100K live account.

Example 2, if a trader has 3 x $100K Challenge accounts and they are verified as passing the Challenge, then the trader will be limited to $200K of live funding capital & they will be provided with 1 x $200K live account. The extra $100K account will be parked and can only be used if the user breaches the limits on their new live consolidated account.

Users are limited to one $250K, $500K or $1M Challenge account, unless approved by Traders4Traders management. The $250K, $500K accounts can both be scaled up to $1M.

1Users with multiple Challenge accounts cannot transfer or combine performance, data, parameters, or other information between accounts.

For example, a trader has 2 x $100K Challenge and both accounts are in profit $4,000. They cannot merge the profit of both accounts to hit the $8,000 profit target.

Users in Traders4Traders ‘High Performance Trader Mentoring’ Program can have as many Challenge accounts as they like but they are limited to a maximum of $2M live funding. The verified accounts will be merged with a maximum of 1 x $2M account.

READ CAREFULLY:

We reserve the right to cancel Challenge accounts and/or withhold funding on accounts that pass the Challenge if a trader is found to have multiple funded accounts with multiple email addresses.

If a trader is found to have signed up to multiple Challenge accounts with multiple email addresses via the one IP address, then those accounts will be forfeited & the fees will not be refunded.

Note for Pay-outs: The bank account must be in the trader’s name. If you’ve signed up for Challenge with a ‘dodgy email/name’ then this could be a problem for you!

Traders will use MT5 offered by our broker, considered the universal platforms in the over-the-counter trading industry. 

We plan on adding cTrader and TradingView asap.

Yes, absolutely. There are no restrictions on the way you trade or the EA’s you can use. All we focus on is the rules and limits so you’re free to trade however you like and with whatever tools you like.

If you’re using EA’s for execution, it is your responsibility to make sure stop-loss orders are attached to every open position and pending order. We will not accept any excuses.

No, you will be trading our accounts. Traders4Traders will provide the trading accounts (demo & live) for you to trade.

We use our own liquidity provider (LP). 

Funding Challenge Accounts

Traders have an unlimited time to hit the Profit target but if they do need to trade at least once per month (every 30 days) otherwise their account will be deemed inactive & will be closed out.

Live T4TCapitalFM™ Trader Account

There is no time limit placed on the management of the Live T4TCapitalFM™ trading account, however, if your trading account is inactive for more than 3 months we will assume you have given up and lost interest and your live T4TCapitalFM™ trading account will be suspended.

Yes – you can. 

You are responsible for their operation and to ensure they adhere to the rules.

A malfunctioning EA, bot or Algo is not an excuse for breaching the rules.

No. But we have made the Funding Challenge a one-off fee to take the pressure off you and enable you to trade at your own pace. 

You can notify us by chat (bottom right) or by email, although we will have seen you have achieved the profit target.

Once you have hit the profit target for the Funding Challenge the audit team will go through and double check your biggest day profit does not exceed 50% of your total profits made. If all is in order you will be sent the ‘Traders e-Agreement’.

Once we receive the signed e-Agreement back your Live Account will be set up within 1 business day.


The Rules & Limits for your Funded account are exactly the same as the Challenge you selected.

You can reset your account under the following conditions:

  1. You have been advised you have breached the Account Limits.
  2. You voluntarily wish to reset your account for whatever reason.
When you reset your account you will be provided with another fresh trading account and you will be sent your new account login details. Please select the trading account size and platform you wish to reset. You will be taken to the corresponding payment for that size account.

Trading Rules

No. We have removed the need for a stop loss. 

Yes. You can trade and hold positions over the weekend.

Just be aware on the Monday open the spread of most instruments starts out extremely wide. That means your stop loss may get hit on Open. This is your risk! Please do not ask our team for account reinstatement for this reason as it’s the ‘major risk’ of trading and holding positions over the weekend.

T4TCapitalFM Management at its discretion can halt all trading, on any day of the week, due to ‘unforeseen highly volatility international events’. In this case, T4TCapitalFM management will notify you via email & dashboard alerts about the trading halt.

The T4TCapitalFM Funding Challenge has a minimum trading rule. To meet this objective, you must trade for at least 5 days during your challenge.

This means you must open at least one position on each of these days. 

How do you define a trading day?

A trading day is defined as 5pm New York to 5pm New York the next day. In the case that a trade is held over a number of days, the only day that will be considered a “Trading Day” is the day the position was opened. 

Maximum Open Position Risk allowed is 5% of the account equity.

All trading accounts are set at 10:1 leverage. The stop loss on all of your open position cannot exceed 5% risk of your account equity.

That means for a $100K account the maximum open position size you can have is 10 lots with a 50 pip stop loss. 

$10K = 1.0 lots with 50 pip stop loss

$25K = 2.5 lots with 50 pip stop loss

$50K = 5 lots with 50 pip stop loss

$100K = 10 lots with 50 pip stop loss

$200K = 20 lots with 50 pip stop loss

$400K = 40 lots with 50 pip stop loss

Our consistency rule measures your ability to build consistent profits and manage risk effectively. In order to pass, your best trading day needs to be below 50% of your total profits made.

The aim is to achieve consistency in your profits which can be demonstrated by not exceeding a 50% profit in a single day. If your largest winning day is equal to or more than 50% of your overall profits made you will need to continue trading until your best day % of total profit is below 50%.

Why is the Consistency Rule Important?

The aim of the T4TCapitalFM Funding Challenge is to not only make profits – but consistent profits. The consistency rule is designed to safeguard against emotion-based trading by providing a framework to contain your profits and therefore balance your risk-reward ratio. Traders who learn to cap their profits will not only pass the Challenge but develop self-sustaining habits for a future of successful trading.

When is the Consistency Rule required and how is it calculated?

The consistency rule only applies to the funding challenge where you will be able to show you can not only manage risk but also make consistent profits.

Calculation: (Best Day Profit ÷ Overall Profit) x100 = Best Day % of Total Profit

Here’s an example:  

If your profit target is $8,000, or 8% of a $100,000 account, you would ideally keep your daily profit below 50% of total profits. 50% of $8,000 is $4,000. Your daily profits must never exceed $4,000.

What happens if you overshoot $4,000 in one day?

If you remain at $8,000 in profits you will not pass the Funding Challenge. If, however, you add just $2,000 to your total profit then your new 50% will be a cap of $5,000. With a new overall profit of $10,000, even with your high day of $4,000 you can still be successful in the evaluation and proceed to a funded account. Keep these guidelines in mind and you will adhere to the rule and pass the funding evaluation.

What is Recommended Best Day Profit?

Since your best trading day should be below 50% of your total profits, we recommend that you plan to maintain a profit target below that threshold. This will help you maintain the consistency you need to lock in profits on a daily basis. Here is a guideline to follow for your daily profit total for your Best Day:

If your account is inactive for 30 days it will be automatically suspended.

That means you need to have either made a trade or placed an order in the market (it doesn’t need to have been executed).

If you do not inform us within 10 days of the suspension the reason for the inactivity, the account will be permanently breached.

This rule is to prevent us having thousands of inactive abandoned accounts. If you are planning to be away for a prolonged period of time, please inform us and we will make sure your account continues.

NO.

It’s what we consider a ‘soft breach’ and does not require a challenge reset.

Billing

No. You first must pass our Funding Challenge. Once you do pass the Funding Challenge you get a live T4TCapitalFM™ Funded Account to trade, with no time limitations.

Users can have as many $50K & $100K Evaluation accounts as they like but they are limited to an initial $200K of live funding capital. The users verified accounts will be merged into one trading account. They can then scale up that consolidated account higher following our live account scaling program.

Users are limited to one $200K or $400K Challenge account, unless approved by T4TCapitalFM™ management. The $200K & $400K accounts can be scaled up to $1M.

Yes, If you have purchased a Funding Challenge and have not traded the account then we are happy to provide a refund.

No, if you have traded the account then you will have used our services and a refund is not available.

Funding Challenge Accounts

Traders have an unlimited time to hit the Profit target but if they do need to trade at least once per month (every 30 days) otherwise their account will be deemed inactive & will be closed out.

Live T4TCapitalFM™ Trader Account

There is no time limit placed on the management of the Live T4TCapitalFM™ trading account, however, if your trading account is inactive for more than 3 months we will assume you have given up and lost interest and your live T4TCapitalFM™ trading account will be suspended.

No. But we have made the Funding Challenge a one-off fee to take the pressure off you and enable you to trade at your own pace. 

You can notify us by chat (bottom right) or by email, although we will have seen you have achieved the profit target.

Once you have hit the profit target for the Funding Challenge the audit team will go through and double check your biggest day profit does not exceed 50% of your total profits made. If all is in order you will be sent the ‘Traders e-Agreement’.

Once we receive the signed e-Agreement back your Live Account will be set up within 1 business day.


The Rules & Limits for your Funded account are exactly the same as the Challenge you selected.

YES. 

The refundable sign-up fee will be available for withdraw once the trader has achieved at least 2.5% profit.

Account Limits

If the equity balance in your trading account, at any stage during the day, hits or falls below the Maximum Daily Loss Limit, that’s a breach of our limits and you’ll need to reset your trading account.

The maximum daily loss limit includes:

  • All open positions
  • All closed positions

For the total duration of your account.

That means if during an open trade you hit or go over below the Maximum Daily Loss Limit you will have broken our limits and you’ll need to reset your trading account.

To monitor your equity balance look at the ‘Equity Balance’ in the Terminal window on your Version4 or Version5 platform.

The Maximum Daily Loss limit is reset at the start of each trading day.

If the equity balance in your trading account, at any stage, hits or falls below the Fixed Maximum Loss Limit (depending on your challenge type), that’s a breach of our limits and you’ll need to reset your trading account.

The maximum loss limit includes:

  • All open positions
  • All closed positions

For the total duration of your account.

That means if during an open trade you hit or go over below the Maximum Loss Limit you will have broken our limits and you’ll need to reset your trading account.

To monitor your equity balance look at the ‘Equity Balance’ in the Terminal window on your MT5 platform.

YES.

It’s what we consider a ‘hard breach’ and does require a challenge reset.

Payouts

To qualify for a payout, ALL the following conditions must be met:

(a) The trader can request your first pay out within 7 days after placing your first trade.

(b) After your first pay-out your next pay day will be the 1st of each month.

(c) The refundable sign-up fee will be available for withdraw once the trader has achieved at least 5.0% profit.

(d) The trader must not have broken any rules.

Once requested, the withdrawal will be removed from the trader’s account balance.

Note: It can take up to three (3) to five (5) business days to receive the cash. International payments may take a few extra days depending on your bank.

The standard profit split for Challenge accounts is 75%. This may differ if:

(a) The trader purchases an account with a coupon code which gives an increased profit split.

(b) The trader has scaled their account to a phase which gives an increased profit split.

An extremely important part of trading is rewarding yourself. It not only puts valuable cash in your pocket but the real value I believe is ‘it gives worth’ to your endeavours. It makes you appreciate your efforts and how valuable an income stream trading can become. The rewarding process will also help you realise that every trade is important and that overall will improve both your trade selection and trading process. The trick is knowing when to do it!

All you really need to think about is: how much drawdown do you need to stay in the game? The answer will be unique for each trader depending on their risk appetite and ability to manage a drawdown.

An easy way to work it out I believe is like this: the initial assessment has a 5% drawdown. Did that drawdown limit feel comfortable or uncomfortable? Once you work out the percentage drawdown you need/would like then simply set yourself some targets above that level.

Bear in mind, if you request a payout before your trailing MLL reaches your starting balance, you’re trailing MLL will automatically be set to the starting balance with a payout. That means if you request all your profits paid out then the account will be closed.

So, you need to leave some cash in the account to continue trading.  To give you a fighting chance to continue making money I believe 5% would the minimum you should leave in the account.

The trader can decide when and how much of their profits they’d like withdrawn each month or if they’d like to roll them over to the next month.

You can request a payout at any time using this invoice form. When a payout is requested and approved, we will immediately remove the funds from the trader’s account. We will then prepare to send the funds to the trader via their requested method on the 1st business day of the next month.

We can process payout using the following methods:

  • Bank Wire: The standard wire is the quickest and most efficient method available to make payouts. Traders must submit their bank information using the SWIFT format to ensure a successful transfer of funds. The bank account must be in the trader’s name. If you’ve signed up for assessment with a ‘dodgy email/name’ then this could be a problem for you!
  • Cryptocurrency: if you paid us in Crypto’s, we’ll pay you back in Cryptos.

We are unable to process payouts via PayPal.

The 1st of the month is payday!

Payouts are processed on the 1st business day of each month. So, bearing this in mind it’s wise to make the payout request at least a week before the end of the month to make sure you receive the cash on time otherwise it can take an extra three (3) to five (5) business days to receive the cash. International payments may take a few extra days depending on your bank.

We have a ‘no double-dip policy’ on the maximum trailing loss available. That means, any payouts made will automatically reduce your maximum drawdown limit. The impact of payouts will be limited to your starting balance.

For example, a trader with a $100,000 account makes $5,000 profit (5%) taking their account balance to $105,000. At this stage their Maximum Trailing Loss limit has already been raised to $97,000. The trader requests a $1,000 (1%) payout. The traders Maximum Trailing Loss limit will automatically be reduced by 1%, the payout amount. So, the account equity or balance now cannot drop below $98,000 from this point.

If the same trader, then gets their account balance up to $120,000 and requests a 10% payout their account balance is reduced to $110,000 & their Maximum Drawdown Limit will still be at $100,000. They still have $10,000 of maximum drawdown limits available.

If you breach your DLL 3 times whilst in profit your remaining profits will be dispersed according to your profit share plan.  

Example 1$100,000 Funded Account

A trader with a $100,000 funded account makes $20,000 profit, taking their account balance to $120,000.

They request a withdrawal of $15,000.

The $15,000 is withdrawn from their trading account and distributed according to the Profit Share.

The trader gets:
75% of $15,000

Total = $11,250

Their trading account is reduced to $105,000 and they can continue trading with their Maximum Loss limit still at $100,000, their starting balance.

Example 2$100,000 Funded Account

A trader with a $100,000 funded account makes $40,000 profit, taking their account balance to $140,000.

They request a withdrawal of $30,000.

The $30,000 is withdrawn from their trading account and distributed according to the Profit Share.

The trader gets:
75% of $30,000

Total = $22,500

Their trading account is reduced to $110,000 and they can continue trading with their Maximum Loss limit still at $100,000, their starting balance.

Example 3: The Impact of an Early Payout Request

A trader starts with a $100,000 account and makes $3,000, taking their account balance to $103,000. Their Maximum Loss limit at this stage is at $95,000.

They request a $1,000 payout.

The trader gets:
75% of $1,000 = $750

Their trading account is reduced to $102,000 and they can continue trading & their Maximum Loss limit raised to $96,000.

Scaling Plan

The scaling plan is structured in phases, with each phase giving the trader double the trading capital, and an increased 5% profit split.

See below for an example of how the $100,000 scaling plan works.

You need to be in profit 16% or above.

If they choose to scale, we will double their account size, double their trading limits and increase their profit share by an extra 5%.

All accounts are eligible for scaling.

ALL the following conditions must be met:

(a) The trader’s account must be at least 16% in profit. The trader can of course choose to carry forward profits above 16%.

(b) The trader must not have scaled this account in the last 30 calendar days.

(c) The trader must not have broken any rules set out in 8.1.2.1. of our T&C’s.

If the trader chooses to scale their account, their profits are carried forward into the new account. The ‘carried forward’ profits are the traders new drawdown limits.