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 VTI | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| VV Vanguard Morningstar Large-Cap ETF | 0.995 | 78% | +1bp | $37.4B | different index | Compare |
| VONE Vanguard Russell 1000 ETF | 0.996 | 76% | +5bp | $5.1B | different index | Compare |
| SPY SPDR S&P 500 ETF Trust | 0.995 | 78% | +6bp | $820.7B | different index | Compare |
| SPYG State Street SPDR Portfolio S&P 500 Growth ETF | 0.938 | 58% | +1bp | $57.9B | different index | Compare |
| VOOG Vanguard S&P 500 Growth ETF | 0.942 | 57% | +7bp | $12.3B | different index | Compare |
| VONG Vanguard Russell 1000 Growth ETF | 0.922 | 51% | +5bp | $21.3B | 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
| Substitute | Correlation | Book overlap | Fee vs VEA | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| IPAC iShares Core MSCI Pacific ETF | 0.922 | 2% | +3bp | $2.8B | different index | Compare |
| IEUR iShares Core MSCI Europe ETF | 0.910 | 15% | +5bp | $9.2B | different index | Compare |
| AOA iShares Core Aggressive Allocation ETF | 0.918 | — | +9bp | $2.4B | different index | Compare |
| ISCF iShares MSCI Intl Small-Cap Multifactor ETF | 0.927 | 1% | +17bp | $662M | different index | Compare |
| ACWX iShares MSCI ACWI ex U.S. ETF | 0.977 | 21% | +28bp | $17.7B | different index | Compare |
| EFG iShares MSCI EAFE Growth ETF | 0.961 | 11% | +30bp | $15.2B | 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
| Substitute | Correlation | Book overlap | Fee vs VWO | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| SPEM SPDR Portfolio Emerging Markets ETF | 0.986 | — | -1bp | $17.8B | different index | Compare |
| VXUS Vanguard Total International Stock ETF | 0.931 | — | -1bp | $76.3B | different index | Compare |
| VEU Vanguard FTSE All-World ex-US Index Fund | 0.929 | — | same | $40.1B | different index | Compare |
| IXUS iShares Core MSCI Total International Stock ETF | 0.918 | — | -1bp | $46.2B | different index | Compare |
| XCEM Columbia EM Core ex-China ETF | 0.905 | — | -8bp | $1.2B | different index | Compare |
| VT Vanguard Total World Stock Index Fund | 0.904 | — | -1bp | $39.4B | 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
| Substitute | Correlation | Book overlap | Fee vs BND | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| SPAB State Street SPDR Portfolio Aggregate Bond ETF | 0.989 | — | same | $9.9B | different index | Compare |
| AGG iShares Core U.S. Aggregate Bond ETF | 0.989 | — | same | $127.8B | different index | Compare |
| BIV Vanguard Intermediate-Term Bond ETF | 0.990 | — | +1bp | $19B | different index | Compare |
| SPTI State Street SPDR Portfolio Intermediate Term Treasury ETF | 0.963 | — | same | $10.5B | different index | Compare |
| CORP PIMCO Investment Grade Corporate Bond Index Exchange-Traded Fund | 0.963 | — | -3bp | $1.2B | different index | Compare |
| VCIT Vanguard Intermediate-Term Corporate Bond ETF | 0.971 | — | +1bp | $49.2B | 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 2026-10-22 (1,065 funds with dated records). Fund details retrieved: 2026-09-25 to 2026-10-23. Data dates vary by fund; these are not live quotes. Flow totals include available records only; missing coverage is not evidence of zero flow.