Tax-Loss Harvest Finder
Sell the loss, keep the exposure. For any fund, ranked stand-ins that track the same market — scored on a year of price correlation, holdings overlap, and fee — with a flag when two funds follow the same index and a swap could look substantially identical.
Correlation computed on ~250 shared sessions per pair · not tax advice — the flag is a heuristic, your compliance desk has the final word
| Substitute | Correlation | Book overlap | Fee vs VTI | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| VV Vanguard Morningstar Large-Cap ETF | 0.996 | 79% | +1bp | $37.4B | different index | Compare |
| VONE Vanguard Russell 1000 ETF | 0.996 | 77% | +5bp | $5.1B | different index | Compare |
| SPY SPDR S&P 500 ETF Trust | 0.995 | 79% | +6bp | $809.2B | different index | Compare |
| IUSG iShares Core S&P U.S. Growth ETF | 0.950 | 56% | +1bp | $34.3B | different index | Compare |
| XVV iShares ESG Screened S&P 500 ETF | 0.983 | 65% | +5bp | $688M | different index | Compare |
| QVML Invesco S&P 500 QVM Multi-factor ETF | 0.983 | 69% | +8bp | $1.7B | different index | Compare |
RANKED BY CORRELATION, FEE, AND OVERLAP · “SAME INDEX” PAIRS ARE FLAGGED BECAUSE THE IRS HAS NEVER DEFINED “SUBSTANTIALLY IDENTICAL” — MOST DESKS TREAT SAME-INDEX SWAPS AS OFF-LIMITS AND DIFFERENT-INDEX SWAPS AS DEFENSIBLE
| Substitute | Correlation | Book overlap | Fee vs VEA | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| SCHC Schwab International Small-Cap Equity ETF | 0.922 | — | +5bp | $4.3B | different index | Compare |
| SCHB Schwab U.S. Broad Market ETF | 0.803 | — | -3bp | $30.7B | different index | Compare |
| SCHM Schwab U.S. Mid Cap ETF | 0.801 | — | -2bp | $11.5B | different index | Compare |
| FENI Fidelity Enhanced International ETF | 0.971 | — | +22bp | $1.7B | different index | Compare |
| FEZ State Street SPDR EURO STOXX 50 ETF | 0.912 | 1% | +23bp | $4.3B | different index | Compare |
| GWX SPDR S&P International Small Cap ETF | 0.907 | 0% | +34bp | $927M | different index | Compare |
RANKED BY CORRELATION, FEE, AND OVERLAP · “SAME INDEX” PAIRS ARE FLAGGED BECAUSE THE IRS HAS NEVER DEFINED “SUBSTANTIALLY IDENTICAL” — MOST DESKS TREAT SAME-INDEX SWAPS AS OFF-LIMITS AND DIFFERENT-INDEX SWAPS AS DEFENSIBLE
| Substitute | Correlation | Book overlap | Fee vs VWO | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| VXUS Vanguard Total International Stock ETF | 0.931 | — | -1bp | $76.3B | different index | Compare |
| IXUS iShares Core MSCI Total International Stock ETF | 0.917 | — | -1bp | $46.2B | different index | Compare |
| SPDW State Street SPDR Portfolio Developed World ex-US ETF | 0.861 | — | -5bp | $41.5B | different index | Compare |
| VSGX Vanguard ESG International Stock ETF | 0.932 | — | +4bp | $4B | different index | Compare |
| SCHC Schwab International Small-Cap Equity ETF | 0.838 | — | +3bp | $4.3B | different index | Compare |
| DMXF iShares ESG Advanced MSCI EAFE Index ETF | 0.843 | — | +4bp | $964M | different index | Compare |
RANKED BY CORRELATION, FEE, AND OVERLAP · “SAME INDEX” PAIRS ARE FLAGGED BECAUSE THE IRS HAS NEVER DEFINED “SUBSTANTIALLY IDENTICAL” — MOST DESKS TREAT SAME-INDEX SWAPS AS OFF-LIMITS AND DIFFERENT-INDEX SWAPS AS DEFENSIBLE
| Substitute | Correlation | Book overlap | Fee vs BND | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| VGIT Vanguard Intermediate-Term Treasury ETF | 0.965 | — | +1bp | $29.9B | different index | Compare |
| IGIB iShares 5-10 Year Investment Grade Corporate Bond ETF | 0.961 | — | +1bp | $18.6B | different index | Compare |
| VGLT Vanguard Long-Term Treasury ETF | 0.935 | — | +1bp | $14B | different index | Compare |
| BNDW Vanguard Total World Bond ETF | 0.933 | — | +2bp | $817M | different index | Compare |
| IBDY iShares Trust iShares iBonds De | 0.948 | — | +7bp | $1.2B | different index | Compare |
| IBTJ iShares iBonds Dec 2029 Term Treasury ETF | 0.869 | — | +4bp | $1.4B | different index | Compare |
RANKED BY CORRELATION, FEE, AND OVERLAP · “SAME INDEX” PAIRS ARE FLAGGED BECAUSE THE IRS HAS NEVER DEFINED “SUBSTANTIALLY IDENTICAL” — MOST DESKS TREAT SAME-INDEX SWAPS AS OFF-LIMITS AND DIFFERENT-INDEX SWAPS AS DEFENSIBLE
Cached coverage for 2,133 funds. Latest price/flow record dates: 2024-08-23 to 2026-10-02 (1,104 funds with dated records). Fund details retrieved: 2026-09-02 to 2026-10-03. Data dates vary by fund; these are not live quotes. Flow totals include available records only; missing coverage is not evidence of zero flow.