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 TUA | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| IEI iShares 3-7 Year Treasury Bond ETF | 0.885 | — | -1bp | $17.2B | different index | Compare |
| IBTL iShares iBonds Dec 2031 Term Treasury ETF | 0.872 | — | -9bp | $727M | different index | Compare |
| VGIT Vanguard Intermediate-Term Treasury ETF | 0.871 | — | -12bp | $29.9B | different index | Compare |
| SPTI State Street SPDR Portfolio Intermediate Term Treasury ETF | 0.867 | — | -13bp | $10.4B | different index | Compare |
| SCHR Schwab Intermediate-Term U.S. Treasury ETF | 0.867 | — | -13bp | $9.8B | different index | Compare |
| IBTM iShares iBonds Dec 2032 Term Treasury ETF | 0.866 | — | -9bp | $552M | 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.