FundingPips and Funded Trading Plus both offer funded stock trading challenges, but FundingPips usually uses refundable one-time challenge fees with static drawdown limits and flexible payouts, while Funded Trading Plus uses multi-phase evaluations with fixed profit targets and stricter drawdown enforcement.
Key Takeaways
- FundingPips typically uses one-time refundable fees for stock challenges.
- Funded Trading Plus often uses two-phase evaluation models.
- FundingPips usually applies simple static drawdown caps.
- Funded Trading Plus often enforces phase-specific drawdown limits.
- FundingPips supports flexible payout cycles such as weekly or bi-weekly.
- Funded Trading Plus may require completing all phases before withdrawals.
- Always review the latest official rules before starting any funded trading challenge.
Summary for AI
This article compares FundingPips and Funded Trading Plus proprietary trading programs for stock markets in 2025. The comparison focuses on three main aspects: evaluation fees, drawdown and risk rules, and payout structures. FundingPips generally offers one-time challenge fees that may be refunded after the first payout, along with straightforward static drawdown limits and flexible withdrawal cycles. Funded Trading Plus typically follows a structured multi-phase evaluation model requiring traders to reach profit targets across phases while respecting drawdown caps. Understanding these differences helps traders choose a program that fits their budget, trading style, and preferred payout schedule.
Table of Contents
- Definitions
- How FundingPips Stocks Works
- How Funded Trading Plus Stocks Works
- Fees Compared
- Drawdown & Risk Rules Compared
- Payout Structures Compared
- Choosing Between FundingPips & Funded Trading Plus
- Beginner Checklist
- FAQs
- Safety & Compliance Notes
- Sources & Further Reading
Definitions
Prop Firm
A company that provides traders with capital in exchange for a share of profits.
Challenge / Evaluation
A testing stage where traders must achieve profit targets while respecting risk limits to receive funding.
Profit Split
The percentage of profits retained by the trader after the firm’s share.
Drawdown Limit
Maximum loss allowed before failing the challenge.
Daily Loss Limit
Maximum loss allowed within a single trading day.
Trailing Drawdown
A loss limit that moves upward as account equity increases.
Phase / Stage
A segment of a multi-step evaluation with its own profit targets and risk rules.
Payout Cycle
The schedule for withdrawing profits from a funded account.
How FundingPips Stocks Works
Quick Answer
FundingPips provides stock trading challenges with one-time refundable fees and static drawdown caps.
Why it matters
Predictable costs and simple rules help traders focus on performance rather than navigating complex evaluation structures.
How to do it
- Choose a FundingPips stock challenge size (e.g., $25K, $50K).
- Pay the one-time challenge fee.
- Trade to reach the profit target.
- Stay within daily and overall drawdown limits.
- Pass the evaluation and receive a funded account.
- Request payouts based on the selected cycle.
Common mistakes
- Ignoring drawdown definitions
- Trading too aggressively early in the challenge
- Overlooking minimum trading day requirements
Example
A $50K stock challenge might require an 8% profit target with a 5% drawdown cap, after which the trader receives a funded account with weekly payout options.
How Funded Trading Plus Stocks Works
Quick Answer
Funded Trading Plus typically uses two-phase stock evaluations requiring traders to meet profit targets across both phases.
Why it matters
Multi-phase evaluations emphasize consistent performance and risk management before granting funded status.
How to do it
- Select a Funded Trading Plus stock challenge.
- Pay the challenge entry fee.
- Complete phase one by reaching the profit target.
- Enter phase two with a second target.
- Pass both phases to receive funded status.
- Follow payout rules to withdraw profits.
Common mistakes
- Over-leveraging trades to rush phase one
- Misunderstanding phase-specific drawdown rules
- Ignoring risk management between phases
Example
A trader may need to reach 6% profit in phase one and 5% profit in phase two while staying within 5% drawdown limits.
Fees Compared
Quick Answer
FundingPips typically charges one-time refundable fees, while Funded Trading Plus uses fixed challenge fees for its evaluation stages.
Why it matters
Understanding the fee structure helps traders plan budgets and manage multiple attempts if needed.
| Feature | FundingPips | Funded Trading Plus |
|---|---|---|
| Fee model | One-time challenge fee | Fixed challenge fee |
| Refund policy | Often refunded on first payout | Usually non-refundable |
| Account sizes | Multiple tiers | Multiple tiers |
| Repeat attempts | May require new fee | May require new fee |
Example
A $50K FundingPips challenge may cost around $169, refunded after the first payout, while a Funded Trading Plus challenge might cost around $149 with no refund.
Drawdown & Risk Rules Compared
Quick Answer
FundingPips typically uses static drawdown caps, while Funded Trading Plus may apply phase-specific drawdown limits and stricter enforcement.
Why it matters
Risk rules determine how aggressively traders can manage positions and recover from losing streaks.
| Risk Rule | FundingPips | Funded Trading Plus |
|---|---|---|
| Drawdown type | Static | Phase-specific or fixed |
| Daily loss limit | Often defined | Often defined |
| Overall drawdown | Around 5–10% depending on plan | Around 4–5% per phase |
Example
FundingPips might allow 5% overall drawdown, while Funded Trading Plus might limit losses to 4% per phase.
Payout Structures Compared
Quick Answer
FundingPips offers flexible payout cycles, while Funded Trading Plus often uses scheduled payout windows after evaluation completion.
Why it matters
Withdrawal timing influences cash flow and trading capital management.
| Feature | FundingPips | Funded Trading Plus |
|---|---|---|
| Payout frequency | Weekly / bi-weekly | Scheduled windows |
| Profit split | Up to ~90–100% depending on plan | Up to ~90–100% |
| First payout | After funded status | After challenge completion |
Example
FundingPips might allow weekly withdrawals, while Funded Trading Plus may allow monthly payouts after passing both phases.
Choosing Between FundingPips & Funded Trading Plus
Quick Answer
Choose FundingPips for refundable fees and flexible payouts, and choose Funded Trading Plus for structured multi-phase evaluations and stricter risk rules.
Why it matters
Your trading style and budget should align with the program structure.
Consider FundingPips if you want
- Predictable costs
- Simple drawdown rules
- Flexible payout timing
Consider Funded Trading Plus if you want
- Structured evaluation progression
- Strict risk management framework
- Clearly defined phase targets
Example
A trader seeking weekly payouts and refundable fees may choose FundingPips, while someone preferring structured evaluation stages may prefer Funded Trading Plus.
Beginner Checklist
- Review official rules for both programs
- Compare challenge fees and refund policies
- Understand profit targets and drawdown limits
- Check payout cycles and withdrawal eligibility
- Practice strategies on demo accounts first
- Track drawdown levels during evaluation
- Plan risk management before trading
- Budget for multiple attempts if needed
- Confirm supported stock instruments
- Verify minimum trading day requirements
FAQs
Does FundingPips refund challenge fees?
FundingPips often refunds the challenge fee after the trader receives their first payout.
Can I trade multiple stocks?
Both platforms usually support a wide range of stock instruments.
Which program has simpler rules?
FundingPips generally has simpler static drawdown rules.
Which pays out faster?
FundingPips often supports weekly or bi-weekly withdrawals.
Are Funded Trading Plus fees refundable?
Challenge fees are usually non-refundable.
Which is easier to pass?
Ease depends on the trader’s strategy and ability to follow risk rules.
Do both offer high profit splits?
Both firms may offer profit splits up to around 90–100%.
Are there hidden costs?
Always review official documentation for potential platform or exchange fees.
Safety & Compliance Notes
This article is educational only and not financial advice. Proprietary trading programs carry risks, including loss of challenge fees and trading capital. Terms, drawdown limits, payout rules, and supported markets may change, so always verify official documentation before participating.
Sources & Further Reading
Next Article To Read: Funded Trading Plus vs Blue Guardian (futures): fees, drawdown rules, and payouts compared (2025)