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 IBMM | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| IVV iShares Core S&P 500 ETF | — | — | -15bp | $885.1B | different index | Compare |
| AGG iShares Core U.S. Aggregate Bond ETF | — | — | -15bp | $127.8B | different index | Compare |
| SCHR Schwab Intermediate-Term U.S. Treasury ETF | — | — | -15bp | $9.8B | different index | Compare |
| SCHZ Schwab US Aggregate Bond ETF | — | — | -15bp | $8.2B | different index | Compare |
| SCHQ Schwab Long-Term U.S. Treasury ETF | — | — | -15bp | $854M | different index | Compare |
| SCHP Schwab U.S. TIPS ETF | — | — | -15bp | $11.5B | 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.