At Blueberry Funded, our Instant Funding accounts — Lite and Elite — come with clearly defined risk limits to help encourage consistent, sustainable trading. Below are the key differences and how each works:
Lite Account
✅ Daily Drawdown Limit: 2%
✅ Maximum Overall Drawdown: 4% (Trailing Lock)
🔹 Daily Drawdown (2%)
Your daily loss limit is 2% of your starting balance or equity for that day, whichever is higher. This is calculated at the end of each trading day and helps encourage responsible trading.
🔹 Maximum Drawdown (4% Trailing Lock)
This is a trailing drawdown that adjusts upwards as your balance grows — but only up to your initial starting balance. Once it reaches your starting balance, it locks and does not move further.
Lite Instant Account Example ($10,000 Starting Balance)
Daily Drawdown Limit: 2% of initial balance/equity = $200
Max Drawdown: 4% trailing = $400, based on equity highs (HWM), and locks at $10,000 once 4% profit is reached
Daily drawdown is calculated using the higher of balance or equity at the end of the day — not intraday movements
🔍 See Trade-by-Trade Examples
🔍 See Trade-by-Trade Examples
1st Trade: (Day 1)
✅ You make $200 profit
➡️ End-of-day equity: $10,200
Daily drawdown limit for next day = $10,200 - $200 = $10,000
Max drawdown = $10,200 - $400 = $9,800
2nd Trade: (Day 2)
❌ You lose $100
➡️ End-of-day equity: $10,100
Daily drawdown limit for next day = $10,100 - $200 = $9,900
Max drawdown stays at $9,800, since your equity didn’t exceed the previous high of $10,200 (it only moves up when a new high-water mark is reached)
Floating Equity Example – Case 1 (Day 3): Equity Spike, Lower Close)
You open a trade and equity spikes to $10,450 intraday
➡️ Max drawdown = $10,450 - $400 = $10,050
✅ Since this exceeds the 4% threshold, Max Drawdown locks at $10,000
You then close the trade at $10,100 (only +$100 gain)
Daily drawdown limit for next day = $10,100 - $200 = $9,900
⚠️ This is below the locked Max Drawdown of $10,000
🛠️ Solution:
💡 If your Max Drawdown has locked but your closing equity dips below 2% profit, your Daily Drawdown limit will be lower than your Max, creating a conflict.
In this case, the Daily Drawdown is only temporarily below Max DD. It will trail normally again once equity closes 2% above starting balance. Until then, Max Drawdown becomes your true minimum limit.
Floating Equity Example – Case 2 (Day 3): Profit Ignored, Breach on Close)
You’re at $9,800, open a strong trade, and equity spikes to $10,400
✅ Max Drawdown locks at $10,000
But you only close with a $100 profit, ending at $9,900
❌ You immediately breach the Max Drawdown rule, because you closed below the locked $10,000 level
🛠️ Solution:
💡 Learn when to take profits — if your equity moves far enough to trigger a lock, but you don’t close while you're ahead, you risk breaching simply by closing too late.
4th Trade (Day 4 – Continued from Case 1)
❌ You lose $150
➡️ Balance before loss: $10,100
➡️ New balance after loss: $9,950
Max Drawdown is locked at $10,000 (from the $10,400 equity spike on Day 3)
Normally, daily loss would be $10,100 - $200 = $9,900
🚫 But in this specific scenario, since Max Drawdown is locked, the Daily Drawdown also stays at $10,000
❌ Result: Equity drops below both limits → account breached
🛠️ Note: This only happens when Max Drawdown locks from a high equity spike, but the trade closes below 2% profit — forcing the daily limit to stay at the locked level too. If you later grow the account above 2% again, the daily drawdown will resume trailing normally, calculated from the higher of your balance or equity at the start of a new day.
✅ Key Takeaways:
✅ Key Takeaways:
Daily Drawdown is always 2% of your initial balance and is subtracted from the higher of balance or equity at the start of each new day
Max Drawdown is 4% trailing based on equity, and locks permanently at your starting balance once you've made a 4% profit or more (even intraday)
Once Max Drawdown is locked, it becomes the lowest your equity can go — breaching it results in account termination
If you lock Max Drawdown but close the trade with less than 2% profit, your daily drawdown limit will stay fixed at the locked level (can’t drop below it)
If you later grow the account above 2% profit again, the daily drawdown will resume trailing from the higher of balance or equity at the start of the new day
Max drawdown is based on equity, but daily drawdown uses only end-of-day values — not intraday equity spikes
⚠️ The Max Drawdown does not reset after a withdrawal. If your max loss is locked and you withdraw most or all profits, your account may be left with little to no buffer. Keep this in mind when deciding how much to withdraw.
Elite Account
✅ No Daily Drawdown Limit
✅ Maximum Overall Drawdown: 10% (Trailing Lock)
The Elite plan gives traders more flexibility with no daily limits.
Example for Elite Account ($10,000 starting balance):
Initial Max Drawdown (10%) = $1,000
Account breaches if equity drops below $9,000
🔍 See Trade-by-Trade Examples
🔍 See Trade-by-Trade Examples
1st Trade:
✅ You make a $200 profit
➡️ New balance: $10,200
➡️ Maximum Loss Limit = $10,200 - $1,000 = $9,200
🟢 This is higher than the original $9,000 limit, so it updates to $9,200
2nd Trade:
❌ You lose $100
➡️ New balance: $10,100
➡️ Calculated Limit = $10,100 - $1,000 = $9,100
🔒 Since this is lower than $9,200, the Maximum Loss Limit stays at $9,200
📌 Floating Equity Example:
You open a new trade, and your equity temporarily spikes to $11,200 — even though the trade hasn't been closed yet.
➡️ Calculated Limit = $11,200 - $1,000 = $10,200
⚠️ However, since the Maximum Loss Limit cannot exceed your original starting balance ($10,000), it locks at $10,000 once your equity grows $1,000 or more above the starting balance — even if the floating equity goes beyond that.
✅ Even if that trade later closes at a lower profit or breakeven, the Maximum Loss Limit remains locked at $10,000
3rd Trade (After Equity Spike):
✅ You close the trade with a $400 profit
➡️ New balance: $10,500
➡️ Your Maximum Loss Limit stays locked at $10,000
4th Trade:
✅ You make another $600 profit
➡️ New balance: $11,100
➡️ Calculated limit = $11,100 - $1,000 = $10,100
🔒 Still capped — the Maximum Loss Limit remains at $10,000 and will not adjust further.
✅ Summary:
Plan | Daily Drawdown | Max Drawdown | Drawdown Type |
Lite | 2% | 4% | Trailing Lock (up to initial balance) |
Elite | None | 10% | Trailing Lock (up to initial balance) |
Note: The Maximum Drawdown does not reset after a payout. Profitable performance increases your trailing limit only up to the initial starting balance.