The Instant Funding Plus Account is designed to reward disciplined traders with one of the highest payout structures in the industry, starting with an 80/20 profit split (80% to the trader, 20% to the firm).
To maintain this split, traders must follow the FTM Shield Risk Protocol, a safeguard that ensures consistent, responsible risk management.
The Key Rule: Floating Equity Loss ≤ 1%
At no point can your account’s floating equity loss (unrealized losses from open positions) exceed 1% of your account balance.
If you are trading a $100,000 Instant Funding Plus account, your floating loss may never exceed $1,000.
If you are trading a $50,000 account, the maximum floating loss allowed is $500.
If your account breaches this threshold:
All trades will automatically close.
Your profit split will adjust downward.
Profit Split Adjustments
Violations of the Shield Protocol are tracked and penalized progressively:
First violation → Split reduced to 50/50
Second violation → Split reduced to 40/60
Third violation → Split reduced to 30/70
Fourth violation → Permanently locked at 20/80
This system encourages traders to preserve capital and avoid reckless drawdowns.
Practical Examples
Example 1: Staying Within the Shield
You open a 5-lot position on EURUSD in a $100,000 account. Price moves against you and you are floating –$800. Since $800 is less than 1% ($1,000), you remain compliant. If the trade recovers or you close it, no penalty is triggered.
Example 2: Breaching the Shield Once
You open a gold (XAUUSD) position in a $100,000 account. Price quickly moves against you, and your floating loss hits –$1,200. This is above the $1,000 allowed. The system closes your trade, and your profit split is reduced from 80/20 to 50/50.
Example 3: Multiple Violations
First violation: floating loss hit $1,500 → Split reduced to 50/50.
Second violation: floating loss hit $2,000 → Split reduced to 40/60.
Third violation: floating loss hit $1,100 → Split reduced to 30/70.
Fourth violation: floating loss hit $1,300 → Split permanently locked at 20/80.
At this point, no matter how long you trade successfully, you cannot regain a higher profit split.
Why This Matters
The Shield Rule exists to encourage responsible trading habits, prevent catastrophic losses from oversized positions, and reward consistency and discipline with the best possible payout. By respecting the 1% floating loss rule, traders not only protect their capital but also preserve their right to earn the maximum profit share.
Summary
Maximum floating loss = 1% of account balance
Breach it once = 80/20 drops to 50/50
Breach it repeatedly = payout share reduces permanently
Stay disciplined, respect the Shield, and enjoy 80% payouts as long as you manage your risk correctly.