The5ers High Stakes: 8% Target vs. 10% Target — Which Should You Choose?
※ Prices and rules were confirmed on The5ers' official plan page and checkout on September 15, 2026 (the body text was fully updated to the post-revision numbers on September 25, 2026). Check the The5ers official site for the latest information.
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Conclusion: go with Classic for your first attempt
The5ers' High Stakes comes in two variants: Classic (Phase 1 target 8%) and New (10%). The difference is in the Phase 1 profit target and the price — Phase 2's target (5%), max loss, daily loss, and minimum profitable days are all the same.
In the revision on September 14, 2026, max loss on the $50K and $100K sizes shrank from 10% to 8%, and daily loss from 5% to 4%. With max loss now at 8%, New (target 10%) ends up in a position where "the amount you need to earn is larger than the amount you're allowed to lose," and the conclusion that Classic is the better choice is now even clearer than before the revision.
Prices and rules ($100K, after the September 14, 2026 revision)
| Item | Classic | New |
|---|---|---|
| Price | $455 | $405 (−$50) |
| Phase 1 profit target | 8% ($8,000) | 10% ($10,000) |
| Phase 2 profit target | 5% ($5,000) | 5% ($5,000) |
| Max loss | 8% ($8,000) | 8% ($8,000) |
| Daily loss | 4% | 4% |
| Minimum profitable days | 3 days per phase | 3 days per phase |
| Deadline | None | None |
| Split | 80% → up to 100% | 80% → up to 100% |
The $100K Classic's max loss is inconsistently stated across the official site itself (the plan-page table says 8%/daily 4%, while the FAQ says 10%/daily 5%, among others). This site uses the plan page's 8%/4% figures. Check the "show details" view on checkout before buying. For more detail, see the article on the September 2026 pricing/rules revision.
The smaller sizes ($2.5K–$25K) were not revised. Max loss stays at 10%, daily at 5%, and prices remain Classic $22 / $39 / $78 / $195, New $19 / $35 / $69 / $176.
Comparison ①: Cost per 1% of target ($100K)
| Plan | Price | Combined target | Per 1% of target |
|---|---|---|---|
| Classic | $455 | 13% (8+5) | $35.0 |
| New | $405 | 15% (10+5) | $27.0 |
Judging purely by the unit price of the target, New is about 23% cheaper. But that's only true "if you pass."
Comparison ②: Max loss ÷ Phase 1 target (staying power)
| Plan | Max loss | Phase 1 target | Ratio |
|---|---|---|---|
| Classic ($100K) | $8,000 | $8,000 | 1.00 |
| New ($100K) | $8,000 | $10,000 | 0.80 |
| Classic ($25K and below) | 10% | 8% | 1.25 |
| New ($25K and below) | 10% | 10% | 1.00 |
On the $100K New, the amount you need to earn (10%) is larger than the amount you're allowed to lose (8%). If you keep trading with wins and losses of the same size, you're more likely to hit the max loss before reaching the target than the other way around. Before the revision this was Classic 1.25 / New 1.00 — the gap between them stayed the same, but both got one notch tighter.
Comparison ③: The break-even pass rate
The condition under which New becomes the better deal is:
New's pass rate ≥ Classic's pass rate × ($405 ÷ $455)New's pass rate ≥ Classic's pass rate × 0.890If New's pass rate is at least 89% of Classic's, go with New. If it falls below that, Classic is the better deal.
Assuming Classic's pass rate is 15%, the expected fee cost to reach one pass works out as follows:
| New's pass rate | New | Classic | Difference |
|---|---|---|---|
| 13.5% (90% of Classic) | $3,000 | $3,033 | Roughly the same |
| 12% (80%) | $3,375 | $3,033 | Classic saves $342 |
| 10% (67%) | $4,050 | $3,033 | Classic saves $1,017 |
Since the Phase 1 target gets 25% heavier, going from 8% to 10%, and now also exceeds the max loss (8%), it's entirely plausible that the pass rate drops by more than 10 points. Unless New's pass rate holds up remarkably well, Classic comes out ahead on the math.
Which should you choose
Classic (8%) suits you if:
- You're attempting High Stakes for the first time
- You trade swing or day-trade style, building up with smaller lots
- You want to take advantage of having no deadline and pass without rushing
New (10%) suits you if:
- Your method has a win/loss ratio of at least 1.25x, and you're confident you can reach a 10% target within an 8% max loss
- You're using a size of $25K or below (max loss stays at 10%, so the target-to-max-loss ratio stays at an even 1.00)
What to know before buying
- The fee refund is split into installments. 10% becomes Hub credit (non-withdrawable) on passing Step 1, 20% on passing Step 2, and 70% is added to your account balance in cash once you're funded
- Funded accounts at $50K and $100K have a withdrawal cap (per cycle: $3,000 / $4,000) and a minimum profit requirement ($300 / $500)
- The banned practice you most need to watch out for is bulk trading (opening multiple positions simultaneously) and copy trading. Repeating either after a warning results in immediate removal (more detail here)
- This site's operator withdrew from a $100K High Stakes funded account twice in September 2026, both times with no interview required (payout report)
Related links
Written by
Hosono P | the prop firm strategist
I buy challenges with my own money and record everything through to the payout. Recorded payouts: ¥6.1M in total from Fintokei, Fundora and Funded7, plus $4,776 from The5ers (as of September 2026). Author of the semi-discretionary EA "ELDRA".