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 CDC | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| SPYD State Street SPDR Portfolio S&P 500 High Dividend ETF | 0.908 | — | +7bp | $7.2B | different index | Compare |
| SCHD Schwab U.S. Dividend Equity ETF | 0.858 | — | +6bp | $60.6B | different index | Compare |
| ONEY State Street SPDR Russell 1000 Yield Focus ETF | 0.836 | — | +20bp | $631M | different index | Compare |
| SPHD Invesco S&P 500 High Dividend Low Volatility ETF | 0.926 | — | +30bp | $3.3B | different index | Compare |
| SDY State Street SPDR S&P Dividend ETF | 0.909 | — | +35bp | $20.7B | different index | Compare |
| DHS WisdomTree U.S. High Dividend Fund | 0.916 | — | +38bp | $1.2B | 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.