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 RSPT | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| XLK Technology Select Sector SPDR Fund | 0.933 | 50% | -31bp | $127.3B | different index | Compare |
| TECB iShares U.S. Tech Breakthrough Multisector ETF | 0.863 | 28% | same | $525M | different index | Compare |
| SUSA iShares MSCI USA ESG Select ETF | 0.865 | 24% | -15bp | $4.1B | different index | Compare |
| IGPT Invesco AI and Next Gen Software ETF | 0.877 | 20% | -40bp | $1.4B | different index | Compare |
| VOT Vanguard Mid-Cap Growth Index Fund | 0.865 | 19% | -33bp | $13.8B | different index | Compare |
| DYNF BLACKROCK US EQUITY FACTOR ROTATION ETF | 0.842 | 21% | -40bp | $42B | 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.