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 EMHC | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| VCEB Vanguard ESG U.S. Corporate Bond ETF | 0.861 | — | -11bp | $634M | different index | Compare |
| BNDW Vanguard Total World Bond ETF | 0.858 | — | -18bp | $817M | different index | Compare |
| BND Vanguard Total Bond Market Index Fund | 0.843 | — | -20bp | $112.8B | different index | Compare |
| BIV Vanguard Intermediate-Term Bond ETF | 0.843 | — | -19bp | $19B | different index | Compare |
| LQD iShares iBoxx $ Investment Grade Corporate Bond ETF | 0.840 | — | -9bp | $30.4B | different index | Compare |
| AGG iShares Core U.S. Aggregate Bond ETF | 0.837 | — | -20bp | $127.8B | 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
Cached coverage for 2,093 funds. Latest price/flow record dates: 2024-08-23 to 2026-10-26 (1,065 funds with dated records). Fund details retrieved: 2026-09-25 to 2026-10-28. Data dates vary by fund; these are not live quotes. Flow totals include available records only; missing coverage is not evidence of zero flow.