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 PRF | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| SPY SPDR S&P 500 ETF Trust | 0.852 | 54% | -30bp | $807.9B | different index | Compare |
| IVV iShares Core S&P 500 ETF | 0.850 | 53% | -36bp | $873.6B | different index | Compare |
| VOO Vanguard 500 Index Fund | 0.850 | 52% | -36bp | $500.4B | different index | Compare |
| VV Vanguard Morningstar Large-Cap ETF | 0.844 | 52% | -35bp | $37.4B | different index | Compare |
| DGRO iShares Core Dividend Growth ETF | 0.834 | 43% | -31bp | $44.5B | different index | Compare |
| MDYG SPDR S&P 400 Mid Cap Growth ETF | 0.801 | — | -24bp | $2.8B | 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 2026-10-23 (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.