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 TDV | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| SUSA iShares MSCI USA ESG Select ETF | 0.860 | — | -20bp | $4.1B | different index | Compare |
| QGRO American Century U.S. Quality Growth ETF | 0.854 | — | -45bp | $859M | different index | Compare |
| SPHQ Invesco S&P 500 Quality ETF | 0.849 | — | -30bp | $18.7B | different index | Compare |
| SCHB Schwab U.S. Broad Market ETF | 0.845 | — | -42bp | $30.7B | different index | Compare |
| SPTM State Street SPDR Portfolio S&P 1500 Composite Stock Market ETF | 0.842 | — | -42bp | $14.1B | different index | Compare |
| XLK Technology Select Sector SPDR Fund | 0.837 | — | -36bp | $127.3B | 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.