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 TLTW | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| TLT iShares 20+ Year Treasury Bond ETF | 0.898 | — | -20bp | $47.8B | different index | Compare |
| SPTL State Street SPDR Portfolio Long Term Treasury ETF | 0.891 | — | -32bp | $10.9B | different index | Compare |
| EDV Vanguard Extended Duration Treasury Index Fund | 0.882 | — | -29bp | $3.8B | different index | Compare |
| BLV Vanguard Long-Term Bond ETF | 0.881 | — | -31bp | $5.7B | different index | Compare |
| VCLT Vanguard Long-Term Corporate Bond ETF | 0.838 | — | -31bp | $11.5B | different index | Compare |
| SPLB State Street SPDR Portfolio Long Term Corporate Bond ETF | 0.831 | — | -31bp | $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 2026-10-26 (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.