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 AVNM | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| SCHF Schwab International Equity ETF | 0.961 | — | -25bp | $41.6B | different index | Compare |
| FNDF Schwab Fundamental International Equity ETF | 0.939 | — | -6bp | $14B | different index | Compare |
| ACWX iShares MSCI ACWI ex U.S. ETF | 0.970 | — | +3bp | $17.9B | different index | Compare |
| SCHE Schwab Emerging Markets Equity ETF | 0.890 | — | -20bp | $9.1B | different index | Compare |
| EFA iShares MSCI EAFE ETF | 0.934 | — | +4bp | $76.4B | different index | Compare |
| SCHB Schwab U.S. Broad Market ETF | 0.815 | — | -28bp | $30.7B | 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.