You must leave a buffer behind, and on the $150K it is bigger than the max payout
What the terms say
You can only withdraw funds in excess of your Required Buffer, up to the Maximum Cap. Buffer that must remain after payout: $1,100 (25K), $2,100 (50K), $3,100 (100K), $4,600 (150K). Maximum payout: $1,500 (25K), $2,500 (50K), $3,500 (100K), $4,500 (150K). Minimum payout: $250, $500, $750, $1,000.
What it really means
- Profit needed before your first full payout: $2,600 on 25K, $4,600 on 50K, $6,600 on 100K, $9,100 on 150K.
- Share of that profit you actually take home: about 58% on 25K, 54% on 50K, 53% on 100K and only 49% on 150K. The rest stays locked as buffer.
- Profit needed to withdraw anything at all: $1,350 on 25K, $2,600 on 50K, $3,850 on 100K, $5,600 on 150K (buffer plus minimum payout).
- The $150K is the odd one out: the buffer grows by $1,000 per size up to 100K, then jumps by $1,500, so the amount you must leave behind ($4,600) is larger than the most you can ever withdraw in one go ($4,500).
- The article does not say the buffer is ever paid out. If the account later hits its drawdown, that profit is gone.