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 FICS | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| SPEU State Street SPDR Portfolio Europe ETF | 0.887 | — | +7bp | $692M | different index | Compare |
| IEFA iShares Core MSCI EAFE ETF | 0.847 | — | +7bp | $188.2B | different index | Compare |
| VGK Vanguard European Stock Index Fund | 0.892 | — | +11bp | $20.6B | different index | Compare |
| VIGI Vanguard International Dividend Appreciation Index Fund | 0.886 | — | +15bp | $7.3B | different index | Compare |
| VYMI Vanguard International High Dividend Yield Fund | 0.846 | — | +22bp | $7.9B | different index | Compare |
| QEFA State Street SPDR MSCI EAFE StrategicFactors ETF | 0.897 | — | +30bp | $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.