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 SPY | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| VV Vanguard Morningstar Large-Cap ETF | 0.997 | 87% | -5bp | $37.4B | different index | Compare |
| VONE Vanguard Russell 1000 ETF | 0.996 | 82% | -1bp | $5.1B | different index | Compare |
| VTI Vanguard Total Stock Market Index Fund | 0.995 | 78% | -6bp | $428.1B | different index | Compare |
| VTHR Vanguard Russell 3000 ETF | 0.991 | 78% | +1bp | $2.6B | different index | Compare |
| VONG Vanguard Russell 1000 Growth ETF | 0.930 | 55% | -1bp | $21.3B | different index | Compare |
| ITOT iShares Core S&P Total U.S. Stock Market ETF | 0.994 | 17% | -6bp | $97.6B | 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
| Substitute | Correlation | Book overlap | Fee vs AGG | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| BND Vanguard Total Bond Market Index Fund | 0.989 | — | same | $112.8B | different index | Compare |
| BIV Vanguard Intermediate-Term Bond ETF | 0.981 | — | +1bp | $19B | different index | Compare |
| SPBO State Street SPDR Portfolio Corporate Bond ETF | 0.956 | — | same | $2.1B | different index | Compare |
| SCHR Schwab Intermediate-Term U.S. Treasury ETF | 0.952 | — | same | $9.8B | different index | Compare |
| SCHQ Schwab Long-Term U.S. Treasury ETF | 0.936 | — | same | $854M | different index | Compare |
| SPMB State Street SPDR Portfolio Mortgage Backed Bond ETF | 0.955 | — | +1bp | $6.8B | 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
| Substitute | Correlation | Book overlap | Fee vs GLD | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| RING iShares MSCI Global Gold Miners ETF | 0.858 | — | -1bp | $2.3B | different index | Compare |
| SLVP iShares MSCI Global Silver and Metals Miners ETF | 0.838 | — | -1bp | $891M | different index | Compare |
| SLV iShares Silver Trust | 0.841 | — | +10bp | $26.5B | different index | Compare |
| GDX VanEck Gold Miners ETF | 0.859 | — | +11bp | $26.1B | different index | Compare |
| GDXJ VanEck Junior Gold Miners ETF | 0.855 | — | +12bp | $8.3B | different index | Compare |
| SIL Global X Silver Miners ETF | 0.840 | — | +25bp | $1.1B | 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 2,093 funds. Latest price/flow record dates: 2024-08-23 to 2026-10-28 (1,065 funds with dated records). Fund details retrieved: 2026-09-25 to 2026-10-29. Data dates vary by fund; these are not live quotes. Flow totals include available records only; missing coverage is not evidence of zero flow.