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 NEAR | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| SCHO Schwab Short-Term U.S. Treasury ETF | 0.916 | — | -22bp | $10.9B | different index | Compare |
| SPSB State Street SPDR Portfolio Short Term Corporate Bond ETF | 0.868 | — | -21bp | $10.9B | different index | Compare |
| SPIB State Street SPDR Portfolio Intermediate Term Corporate Bond ETF | 0.850 | — | -21bp | $11.1B | different index | Compare |
| VGIT Vanguard Intermediate-Term Treasury ETF | 0.837 | — | -21bp | $29.9B | different index | Compare |
| LDUR PIMCO Enhanced Low Duration Active Exchange-Traded Fund | 0.828 | — | -25bp | $855M | different index | Compare |
| SPTI State Street SPDR Portfolio Intermediate Term Treasury ETF | 0.825 | — | -22bp | $10.4B | 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 2026-10-04. Data dates vary by fund; these are not live quotes. Flow totals include available records only; missing coverage is not evidence of zero flow.