The 5%ers Review: Programs, Rules, Payouts, Scaling, and Real Trader Fit
Clear, trader-first breakdown of The5%ers: how each program works, the rules that actually end accounts, payout timing, EA policy, and who each track fits. Includes quick-scan tables and execution notes—plus fast links to compare prop firms and our Gold EA.
Bottom Line Up Front
Three tracks, unlimited time to pass: Hyper Growth (1-step, protective Daily Pause), High Stakes (2-step, 1:100 leverage, news window), and Bootcamp (3-step, strict per-trade SL). First payout after 14 days funded, then bi-weekly.
Confirm exact rules in your chosen program’s T&Cs.
Overview
What you get
- Three tracks: Hyper Growth (1-step), High Stakes (2-step), Bootcamp (3-step).
- Unlimited time to pass (accounts can expire if inactive).
- First payout after 14 days funded, then every 2 weeks (min $150).
Related FTMO resources
Funding Programs
Hyper Growth (Instant Funding)
One-step track with a 10% target, 6% stopout, and a 3% Daily Pause (positions close; trading disabled for the day). Leverage 1:30. Unlimited time; scales toward higher tiers with rising splits.
High Stakes (2-Step)
Two phases: targets 8% then 5%, with 5% Max Daily Loss and 10% Max Loss. Leverage 1:100. News trading allowed but no new orders ±2 minutes around high-impact events on the related symbol. Split increases with scale; fixed monthly payouts at upper tiers.
Bootcamp (3-Step)
Three steps at 6% each. Funded stage uses a 3% Daily Pause, 4% max loss, 1:10 leverage, and mandatory ≤2% per-trade SL (5 violations terminate). Long ladder with split increases toward the top.
Specs & Fees (Quick Scan)
| Program | Entry & Target | Daily Rule / Max Loss | Leverage | Profit Split | Time Limit |
|---|---|---|---|---|---|
| Hyper Growth | $10k / $20k / $40k · 10% target | 3% Daily Pause · 6% stopout | 1:30 | Up to 100% at upper tiers | Unlimited (activity required) |
| High Stakes | Step 1 8% · Step 2 5% · ≥3 profitable days/step | 5% MDL · 10% ML · No new orders ±2m news | 1:100 | 80% → 100% (+ fixed payouts at top tiers) | Unlimited (activity required) |
| Bootcamp | 3 steps @ 6%; funded targets ~5%/scale step | Funded: 3% Daily Pause · 4% max loss · ≤2% per-trade SL | 1:10 | Up to 100% at upper tiers | Unlimited (activity required) |
Confirm live fees and options on the official program pages.
Key Rules That Matter
- Daily Pause vs. hard stop: Daily Pause (Hyper Growth; Bootcamp funded) is a soft breach (closes trades, disables for the day). Hard stopout (e.g., 6% in Hyper Growth) terminates the account.
- Targets & days: High Stakes needs 8% then 5% with ≥3 profitable days per step; Bootcamp 6% ×3; Hyper Growth a single 10% to begin scaling.
- News window: Holding allowed; in High Stakes you may not place new orders within ±2 minutes of high-impact releases (related symbol).
- EAs & copying: Allowed if you avoid prohibited practices (no latency/tick/reverse/hedge arbitrage; no emulators) and follow visible SL policies; nightly EA window applies in some tracks.
- Inactivity: Prolonged inactivity can expire accounts—log trades regularly.
Scaling & Profit Splits
High Stakes
Each +10% on funded increases balance and improves the split (e.g., 85/15 → 90/10 → 100/0), with fixed monthly payouts at upper tiers. Payout cycle resets on scale-up.
Hyper Growth & Bootcamp
Hyper Growth doubles balance at each 10% milestone toward higher tiers; Bootcamp scales through a long funded ladder (~5% per step). Both move toward higher profit splits (up to 100% at top levels).
Payouts, Minimums & Methods
- Timing: First payout after 14 days funded; then bi-weekly.
- Minimum: $150. Methods include Rise, bank transfer, and crypto.
- Scaling reset: When you scale to a new tier, the 14-day clock resets.
Assets, Platforms, Leverage & EAs
Assets: FX, metals, indices, commodities, crypto. Platforms: MT5 (hedge) and cTrader. Leverage: program-dependent—Hyper Growth ~1:30, High Stakes ~1:100 (FX), Bootcamp ~1:10. Consult live Asset Specifications on the official site for symbol-level margins and sessions.
EAs: Allowed under strict anti-abuse policies; visible SL rules and nightly EA windows may apply depending on track.
The5%ers vs FTMO US (Quick Reality Check)
| Topic | The5%ers | FTMO US (MT5 netting/FIFO) |
|---|---|---|
| Position model | MT5 hedge; cTrader supported | Netting + FIFO (one net position per symbol) |
| News execution | High Stakes bans new orders ±2m around high-impact releases (holding allowed) | Plan with MT5 Risk Controls |
| Latency & hours | Trade liquid overlaps; manage rollover | See Execution Playbook |
| Platforms | MT5 (hedge) & cTrader | Compare in Global Platforms |
Who The5%ers Is Best For
Great fit
- Systematic traders who want clear risk rails and unlimited pass time.
- EA users who comply with visible SL and anti-abuse policies.
- Swing/position traders who hold overnight/weekends and scale bi-weekly.
May not fit
- Latency/arbitrage scalpers; bracket-around-news execution.
- Traders who dislike activity requirements or payout clocks that reset on scale.
- Those needing very high intraday leverage across all assets (Bootcamp is 1:10).
Pros & Cons
Pros
- Three paths with unlimited pass time.
- Bi-weekly payouts after day 14; min $150; Rise/bank/crypto.
- EAs allowed under clear rules; nightly EA window documented.
- Weekend holding and broad instruments on MT5/cTrader.
Cons
- High Stakes news window (±2m) can trip new users.
- Inactivity can expire accounts if you step away for weeks.
- Conservative leverage on Hyper Growth (1:30) and strict on Bootcamp (1:10).
Pricing & Value Snapshot
| Program | Common Sizes | Fee (see official page) | Target | Daily Rule | Max Loss / Stopout |
|---|---|---|---|---|---|
| Hyper Growth | $10k / $20k / $40k | Listed on page | 10% | 3% Daily Pause | 6% stopout |
| High Stakes | $5k / $10k / $20k / $60k / $100k | Varies by size | 8% then 5% | 5% daily loss | 10% max loss |
| Bootcamp | $100k / $250k (+ promos) | Low entry; remainder after pass | 6% × 3 steps | 3% Daily Pause (funded) | 5% steps / 4% funded |
Education only. Prop firm services are simulated evaluations. Trading involves risk.
FAQs
What’s the difference between Daily Pause and Daily Loss?
Daily Pause (Hyper Growth; Bootcamp funded) is a soft breach that closes trades and disables the account until the next server day; Daily Loss (High Stakes) is a hard limit and breaching it ends the phase.
When is my first payout and what’s the minimum?
The first payout is available 14 days after you’re funded; then payouts are bi-weekly. Minimum is $150. Methods include Rise, bank transfer, and crypto.
Are EAs allowed?
Yes—if they avoid prohibited practices (no latency/tick/reverse/hedge arbitrage; no emulators/certain copying) and follow visible SL and nightly EA windows where applicable.
Can I place trades around high-impact news?
You can hold positions. In High Stakes, you may not place new orders within ±2 minutes of high-impact releases on related symbols.
Does inactivity close my account?
Yes—if you go inactive for extended periods, accounts can expire. Trade periodically to maintain status.
Gold EA (XAUUSD) — FAQs
Is your Gold EA allowed at The5%ers?
Yes, if you comply with program rules: visible SL where required (Bootcamp), no prohibited strategies, and observe the High Stakes news window for new orders.
Do I need a VPS?
Recommended. A VPS near broker servers stabilizes latency and uptime, improving fills—especially at session opens.
What risk should I start with?
Many traders cap daily risk at ~40–60% of the daily limit and risk ~0.25–0.6% per position. Size so a worst-case day cannot trigger Daily Pause/Loss.
Lot-size formula?
Lots = (Account × Risk% per trade) ÷ (Stop in points × Value/lot/point). Start small, log slippage by session, then enable dynamic risk.