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 IMFL | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| SPDW State Street SPDR Portfolio Developed World ex-US ETF | 0.936 | 12% | -31bp | $41.5B | different index | Compare |
| ESGD iShares ESG Aware MSCI EAFE ETF | 0.898 | 17% | -14bp | $12.1B | different index | Compare |
| VXUS Vanguard Total International Stock ETF | 0.908 | 14% | -27bp | $76.3B | different index | Compare |
| CWI State Street SPDR MSCI ACWI ex-US ETF | 0.905 | 11% | -4bp | $2.8B | different index | Compare |
| IDHQ Invesco S&P International Developed Quality ETF | 0.880 | 13% | -5bp | $1.1B | different index | Compare |
| IXUS iShares Core MSCI Total International Stock ETF | 0.914 | — | -27bp | $46.2B | 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.