You must retain profits equal to 3% of your original starting balance in the account. Only profits above this buffer are available for withdrawal, subject to your profit split and all other payout requirements.
Example: On a $100,000 account, the buffer is $3,000. Your account must retain at least $103,000 after the withdrawal, including the deduction of the company’s share. If your balance is $105,000, up to $2,000 in profit is above the buffer. At the standard 80% profit share, withdrawing that amount would pay you $1,600 and the company $400, leaving $103,000 in the account.
If your balance subsequently falls to $102,000, you must increase it above $103,000 before another withdrawal is available. Falling below the buffer does not itself breach the account, but all drawdown and floating loss rules continue to apply.