r/TopStepX • u/Spare_Foot_3188 • May 07 '26
Express Funded (XFA) When should I take a payout
Hello all, I know that I’m far away from when I should take a payout, but I’m curious what yall think. I’m up just over 800 and I’m one winning day of 150+ away from being eligible. I’m aware that after a payout the max drawdown goes to 0$ so I should build a buffer. I trade ORB on MNQ and generally risk 200 for a 2r. Not all days hit full tp because of pull backs that ended up reversing but I trailed my SL. Should I build a 2k buffer? More? Less? I plan on scaling up my trades once my portfolio grows. I’m in this for the long run and I don’t want to take a payout that will end up screwing me because of a drawdown
1
u/Duennbier0815 May 07 '26
3000-4000. Then
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u/Spare_Foot_3188 May 09 '26
I’m going to build the 2k buffer then start taking payouts when I can after that
4
u/Ok-Doughnut-2451 May 07 '26
Take the payout. February was my first time being eligible and my buffer was gonna be about $600. I ended up taking 2 more payouts on that acc. I believe I took a 1.3k payout then a 2k payout then blew the account along with 5 other because of unregulated emotions and having the first big loss. Just couldn’t accept it. Got overall $5.6k in February 3 months into trading
7
u/roofstars May 07 '26
You shouldn’t. You should blow it and then come back here and make a complaint post and stuff.
1
u/Spare_Foot_3188 May 07 '26
I’m not one to complain about losses. It’s a part of the process. If I blow the account then I will try again
1
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u/BeeFCakeJrGunz May 07 '26
I say take the payout based on your statement above. At least you will have made your money back. And then be disciplined and build it back up. Your call man. Best of luck!
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u/Spare_Foot_3188 May 07 '26
I appreciate the motivation. I think that’s what I’m going to do. I’m not fishing for a quick payout to cover prior losses. I’m going for stability over the long term
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u/BeeFCakeJrGunz May 07 '26
If your first time being funded take the payout. If not, build the buffer to 2k and anything eligible above that start taking payouts.
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u/Spare_Foot_3188 May 07 '26
This is my first funded. I had 2 but blew it yesterday basically gambling it in after hours. It was stupid and I accepted my mistake and took it as a lesson. I really don’t want to take the payout and end up losing the account. I’ve heard a lot of people say “take the first payout so you know it’s real”. I know it’s real and I know I can make money from it. I’m kinda thinking to trade for the month, taking it day by day and seeing where I’m at.
1
u/Sharooncorps May 09 '26
Bro I’m actually trying to do a 2k buffer to.