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
Stand-ins for TLT — iShares 20+ Year Treasury Bond ETF
| Substitute | Correlation | Book overlap | Fee vs TLT | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| TLH iShares 10-20 Year Treasury Bond ETF | 0.986 | — | same | $10.9B | different index | Compare |
| EDV Vanguard Extended Duration Treasury Index Fund | 0.977 | — | -9bp | $3.8B | different index | Compare |
| ILTB iShares Core 10+ Year USD Bond ETF | 0.970 | — | -9bp | $581M | different index | Compare |
| GOVT iShares U.S. Treasury Bond ETF | 0.925 | — | -10bp | $43.8B | different index | Compare |
| BND Vanguard Total Bond Market Index Fund | 0.911 | — | -12bp | $112.8B | different index | Compare |
| AGG iShares Core U.S. Aggregate Bond ETF | 0.910 | — | -12bp | $127.8B | 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