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
Stand-ins for IBDT — iShares iBonds Dec 2028 Term Corporate ETF
| Substitute | Correlation | Book overlap | Fee vs IBDT | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| ISTB iShares Core 1-5 Year USD Bond ETF | 0.919 | — | -4bp | $4.4B | different index | Compare |
| IGIB iShares 5-10 Year Investment Grade Corporate Bond ETF | 0.822 | — | -6bp | $18.7B | different index | Compare |
| SHY iShares 1-3 Year Treasury Bond ETF | 0.917 | — | +5bp | $25.5B | different index | Compare |
| IEI iShares 3-7 Year Treasury Bond ETF | 0.840 | — | +5bp | $17.7B | different index | Compare |
| GVI iShares Intermediate Government/Credit Bond ETF | 0.865 | — | +10bp | $3.8B | different index | Compare |
| NEAR iShares Short Maturity Bond ETF | 0.908 | — | +15bp | $4.9B | 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