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 VOT — Vanguard Mid-Cap Growth Index Fund
| Substitute | Correlation | Book overlap | Fee vs VOT | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| IMCG iShares Morningstar Mid-Cap Growth ETF | 0.966 | 46% | -1bp | $4.2B | different index | Compare |
| IMCB iShares Morningstar Mid-Cap ETF | 0.893 | 25% | -3bp | $1.7B | different index | Compare |
| VBK Vanguard Small Cap Growth Index Fund | 0.920 | 3% | same | $17.7B | different index | Compare |
| ISCG iShares Morningstar Small-Cap Growth ETF | 0.906 | 1% | -1bp | $1B | different index | Compare |
| ILCG iShares Morningstar Growth ETF | 0.858 | 13% | -3bp | $3.3B | different index | Compare |
| VB Vanguard Small Cap Index Fund | 0.887 | 1% | -2bp | $58.9B | 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