FundingPips Max Allocation: How to Manage $300k+ in Capital (2026)

Meta Description: FundingPips max allocation rules explained: $300K capital limit, how to stack accounts across models, multi-account management strategy, and scaling beyond through the Hot Seat program.

FundingPips caps your total funded capital at $300,000 across all active accounts. That's not one account—it's your combined allocation across every funded (Master) account you hold simultaneously. A $100K Standard plus two $50K Standards plus a $50K Zero equals $250K. Add another $50K and you're at the ceiling.

Most traders never reach $300K. But understanding the cap—and how to optimize the capital you do hold—separates traders who earn supplemental income from traders who build serious monthly revenue from prop trading.

Quick heads-up: This article is based on my real experience with FundingPips and the info available when I published/updated this. Rules change. For the absolute latest, check FundingPips' website.

How the $300K Cap Works

The $300K limit applies to funded (Master) accounts only. Evaluations don't count. You can have five $100K evaluations running simultaneously ($500K in evaluation capital) as long as your funded accounts don't exceed $300K combined.

When an account breaches, that capital is immediately freed. If you have $300K in funded accounts and one $50K breaches, your funded total drops to $250K—you can purchase and fund another $50K without waiting.

Scaling capital doesn't count against the cap in the traditional sense. If your $50K account scales to $62.5K through the Ascender tier, that's reflected in your account balance but the original allocation was $50K. Check FundingPips' current policy on how scaled capital interacts with the maximum allocation limit, as this may have been updated.

Building to $300K: Realistic Allocation Strategies

There's no single "right" way to fill $300K. Your allocation should match your trading style, risk tolerance, and experience level.

Strategy 1: The Diversified Stack (My Recommendation)

Six $50K Standard accounts. Total cost: $1,734 ($289 × 6). Total capital: $300K. Each account has independent 10% drawdown ($5,000). If one breaches, you lose $50K of capital and $289—not your entire operation.

Why this works: maximum risk diversification. A bad week that breaches one account leaves five others untouched. You're paying slightly more in total fees, but the independence between accounts is worth every dollar. At 3% monthly on all six accounts with 80% split, that's $7,200/month—$86,400/year.

The downside: managing six accounts is genuinely tedious. Six dashboards, six payout cycles, six sets of rules to monitor. If you trade the same strategy across all six, you're essentially copy-trading yourself—which works but requires discipline to execute identically on each account.

Strategy 2: The Concentrated Approach

Three $100K Standard accounts. Total cost: $1,587 ($529 × 3). Total capital: $300K. Each with $10,000 drawdown. Fewer accounts to manage, larger individual positions.

Why this works: simpler management, lower total fees, and each account can hold larger positions (40-lot limit per account vs 20 on $50K). If you trade concentrated positions on 1–2 instruments, the $100K size gives more breathing room.

The downside: each breach costs $529 instead of $289, and you lose a third of your total capital in one event. The risk is more concentrated.

Strategy 3: The Hybrid Portfolio

Two $100K Standards + two $50K Standards. Total: $300K. Cost: $1,636. This blends the advantages—$100K accounts for your primary strategy, $50K accounts for testing secondary approaches or more aggressive styles.

Strategy 4: The Progressive Build

Start with one $50K Standard ($289). Pass it, get funded, prove profitability. Add a second $50K ($289). Prove you can manage two simultaneously. Add a third. Continue until you reach $300K or find your management ceiling.

This is the approach I recommend for anyone who hasn't managed multiple funded accounts before. The jump from one account to two is larger than the jump from two to six—you discover whether your attention span, emotional bandwidth, and execution consistency can handle parallel accounts before committing significant capital.

Multi-Account Management: The Practical Reality

Running $300K across multiple funded accounts isn't just "trade the same thing six times." Here's what actually changes:

Correlated Risk

If all six $50K accounts take the same EUR/USD long at the same time, a 100-pip move against you doesn't just affect one account—it hits all six simultaneously. Your combined loss is $3,000–$6,000 depending on sizing, and you might breach multiple accounts in a single session.

Mitigation: Stagger entries by 5–10 minutes. Use slightly different entry levels or stop distances across accounts. Trade different sessions on different accounts (London on accounts 1–3, NY on accounts 4–6). This reduces the probability of a single market event breaching multiple accounts simultaneously.

Copy Trading vs. Independent Strategies

Same strategy, all accounts: Simplest to execute. Use a trade copier (many MT5 copiers exist) to mirror trades across accounts automatically. The risk: if the strategy has a drawdown period, all accounts suffer equally.

Different strategies per account: Maximum diversification. A trend-following strategy on accounts 1–2, a mean-reversion approach on 3–4, and a scalping system on 5–6. The risk: you need to be proficient in multiple strategies, which most traders aren't.

My approach: Same core strategy on all accounts, but with execution variation. Accounts 1–3 trade London session, accounts 4–6 trade New York. Same setups, different timing. This creates natural diversification without requiring multiple strategies.

Payout Coordination

Six accounts on bi-weekly payouts means processing up to 6 withdrawals every two weeks. At $10 per withdrawal, that's $60/month in fees alone—$720/year. If your accounts have staggered start dates, payouts land on different Tuesdays, creating a near-weekly income stream without the 60% split penalty of Tuesday Payday.

Coordinate your payout schedules intentionally. If possible, start accounts on different weeks so payout cycles overlap minimally. Three accounts paying out on Week 1 and three on Week 3 gives you semi-weekly 80% income.

Drawdown Monitoring

Six accounts means six drawdown levels to track. Use a spreadsheet or tracking tool that shows all accounts' current drawdown usage at a glance. My minimum check: before every trading session, verify each account's daily loss remaining and overall drawdown remaining. If any account is below 50% of its drawdown room, that account trades at half size or sits out.

The $300K Earnings Potential

<div style="width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch;">
 <table style="border-collapse:collapse;width:100%;min-width:710px;border:1px solid #e5e5e5;border-radius:8px;">
   <thead style="background:#f9f9f9;">
     <tr>
       <th style="border:1px solid #e5e5e5;padding:10px;text-align:left;min-width:110px;">Monthly Return</th>
       <th style="border:1px solid #e5e5e5;padding:10px;text-align:left;min-width:160px;">Gross Profit ($300K)</th>
       <th style="border:1px solid #e5e5e5;padding:10px;text-align:left;min-width:150px;">Bi-Weekly 80% Split</th>
       <th style="border:1px solid #e5e5e5;padding:10px;text-align:left;min-width:150px;">Monthly 100% Split</th>
       <th style="border:1px solid #e5e5e5;padding:10px;text-align:left;min-width:140px;">Annual (80% split)</th>
     </tr>
   </thead>
   <tbody>
     <tr>
       <td style="border:1px solid #e5e5e5;padding:10px;">1%</td>
       <td style="border:1px solid #e5e5e5;padding:10px;">$3,000</td>
       <td style="border:1px solid #e5e5e5;padding:10px;">$2,400</td>
       <td style="border:1px solid #e5e5e5;padding:10px;">$3,000</td>
       <td style="border:1px solid #e5e5e5;padding:10px;">$28,800</td>
     </tr>
     <tr>
       <td style="border:1px solid #e5e5e5;padding:10px;">2%</td>
       <td style="border:1px solid #e5e5e5;padding:10px;">$6,000</td>
       <td style="border:1px solid #e5e5e5;padding:10px;">$4,800</td>
       <td style="border:1px solid #e5e5e5;padding:10px;">$6,000</td>
       <td style="border:1px solid #e5e5e5;padding:10px;">$57,600</td>
     </tr>
     <tr>
       <td style="border:1px solid #e5e5e5;padding:10px;">3%</td>
       <td style="border:1px solid #e5e5e5;padding:10px;">$9,000</td>
       <td style="border:1px solid #e5e5e5;padding:10px;">$7,200</td>
       <td style="border:1px solid #e5e5e5;padding:10px;">$9,000</td>
       <td style="border:1px solid #e5e5e5;padding:10px;">$86,400</td>
     </tr>
     <tr>
       <td style="border:1px solid #e5e5e5;padding:10px;">4%</td>
       <td style="border:1px solid #e5e5e5;padding:10px;">$12,000</td>
       <td style="border:1px solid #e5e5e5;padding:10px;">$9,600</td>
       <td style="border:1px solid #e5e5e5;padding:10px;">$12,000</td>
       <td style="border:1px solid #e5e5e5;padding:10px;">$115,200</td>
     </tr>
     <tr>
       <td style="border:1px solid #e5e5e5;padding:10px;">5%</td>
       <td style="border:1px solid #e5e5e5;padding:10px;">$15,000</td>
       <td style="border:1px solid #e5e5e5;padding:10px;">$12,000</td>
       <td style="border:1px solid #e5e5e5;padding:10px;">$15,000</td>
       <td style="border:1px solid #e5e5e5;padding:10px;">$144,000</td>
     </tr>
   </tbody>
 </table>
</div>


At 3% monthly with 80% split, $300K in funded capital generates $86,400/year. At 5%, that's $144,000—a full-time income in most countries from a total initial investment of $1,500–$1,700 in evaluation fees (all refundable on Standard accounts).

These aren't fantasy projections. 2–3% monthly is achievable for disciplined traders on 10% static drawdown accounts. The challenge isn't generating the return—it's sustaining it across six accounts month after month without breaching any of them.

Scaling Beyond $300K: The Hot Seat Path

The $300K allocation cap applies to your funded account starting balances. But the scaling program can push your actual trading capital beyond $300K:

Each funded account can scale through Launchpad → Ascender (+25%) → Trailblazer (+50%) → Hot Seat (double capital + 100% split). A $50K account that reaches Hot Seat becomes $100K. Six $50K accounts at Hot Seat = $600K in effective trading capital with 100% profit splits and on-demand payouts.

Reaching Hot Seat requires approximately 16 successful payout cycles with 40% total profit. At bi-weekly payouts, that's roughly 8 months of consistent trading per account. It's a marathon, but the destination—$600K at 100% split—represents the ceiling of what FundingPips can deliver.

At 3% monthly on $600K with 100% split: $18,000/month, $216,000/year. From an initial investment of $1,734 in evaluation fees—all refunded long before reaching Hot Seat.

Common Multi-Account Mistakes

Starting too many accounts at once. Your first funded account should be a solo operation for at least 2–3 months. Learn the funded rules, the payout process, and your own emotional response to real payouts before adding complexity.

Identical entries on all accounts during high-impact news. If NFP gaps 80 pips against you, six accounts with the same position breach simultaneously. Either avoid news on all accounts or limit news trading to one account while others are flat.

Neglecting account-specific drawdown tracking. Account #4 is at 7% drawdown usage while accounts #1–3 are comfortable at 3%. If you're not monitoring each account individually, you'll miss the warning signs until breach.

Not adjusting size after breaching an account. If your $300K drops to $250K after a breach, don't increase sizing on remaining accounts to "make up the difference." The remaining accounts don't know or care about the breached account. Trade them at normal size and replace the breached account when ready.

Building Your $300K Timeline

Month 1: Purchase and pass first $50K Standard. Get funded. Start trading conservatively.

Month 2–3: Confirm funded-stage profitability. Process 2–3 payouts. Build confidence in the workflow.

Month 4: Add second $50K Standard. Trade both. Adjust to managing two dashboards.

Month 5–6: Add third and fourth accounts once two-account management feels routine.

Month 7–9: Scale to five or six accounts if execution and profitability remain consistent.

Month 10–16: Focus on scaling existing accounts through the tier program rather than adding new ones.

This 12–16 month timeline sounds slow compared to "buy six accounts today." But the progressive approach means each new account is added with proven operational experience, not hopeful optimism. Traders who jump to six accounts on day one typically breach 3–4 of them within the first month because they underestimated the management complexity.

Frequently Asked Questions

Does the $300K cap apply per person or per account?

Per person/identity. FundingPips tracks your KYC identity. You cannot create multiple accounts under different names to exceed the cap—this violates terms of service and will result in account termination.

What if I want more than $300K?

Scale existing accounts through the tier program—Hot Seat doubles your capital per account. Six $50K accounts at Hot Seat = $600K effective capital. Alternatively, trade with multiple prop firms simultaneously. Nothing prevents you from holding $300K at FundingPips plus $200K at FTMO plus $200K at The5ers.

Can I mix account models (Standard + Pro + Zero)?

Yes. Your $300K can include any combination of models. Many traders run Standard accounts for stability and add one Zero for the 95% split.

If I breach all accounts, can I repurchase $300K immediately?

Yes. The $300K cap is on active funded accounts. If all accounts breach, your allocation resets to $0 and you can purchase new evaluations up to $300K.

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