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 PSR | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| SCHH Schwab U.S. REIT ETF | 0.975 | — | -28bp | $7.3B | different index | Compare |
| XLRE State Street Real Estate Select Sector SPDR ETF | 0.972 | — | -26bp | $7.7B | different index | Compare |
| DFAR Dimensional US Real Estate ETF | 0.969 | — | -35bp | $1.2B | different index | Compare |
| VNQ Vanguard Real Estate Index Fund | 0.966 | — | -23bp | $36.5B | different index | Compare |
| ICF iShares Cohen & Steers REIT ETF | 0.965 | — | -2bp | $2B | different index | Compare |
| FREL Fidelity MSCI Real Estate Index ETF | 0.963 | — | -27bp | $1B | 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.