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 RDIV | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| SPYD State Street SPDR Portfolio S&P 500 High Dividend ETF | 0.886 | 33% | -32bp | $7B | different index | Compare |
| DVY iShares Select Dividend ETF | 0.850 | 22% | -1bp | $22.3B | different index | Compare |
| ONEY State Street SPDR Russell 1000 Yield Focus ETF | 0.848 | 14% | -19bp | $618M | different index | Compare |
| SDOG ALPS Sector Dividend Dogs ETF | 0.857 | — | -3bp | $1.2B | 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 2026-10-29 (1,065 funds with dated records). Fund details retrieved: 2026-09-25 to 2026-10-30. Data dates vary by fund; these are not live quotes. Flow totals include available records only; missing coverage is not evidence of zero flow.