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 CSM | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| VTHR Vanguard Russell 3000 ETF | 0.971 | — | -35bp | $2.6B | different index | Compare |
| CATH Global X S&P 500 Catholic Values ETF | 0.970 | — | -16bp | $908M | different index | Compare |
| SPYX State Street SPDR S&P 500 Fossil Fuel Reserves Free ETF | 0.969 | — | -25bp | $2.9B | different index | Compare |
| VONE Vanguard Russell 1000 ETF | 0.968 | — | -37bp | $5.1B | different index | Compare |
| QVML Invesco S&P 500 QVM Multi-factor ETF | 0.967 | — | -34bp | $1.7B | different index | Compare |
| VTI Vanguard Total Stock Market Index Fund | 0.967 | — | -42bp | $428.1B | 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 2026-10-23 (1,065 funds with dated records). Fund details retrieved: 2026-09-25 to 2026-10-27. Data dates vary by fund; these are not live quotes. Flow totals include available records only; missing coverage is not evidence of zero flow.