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 BIL | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| BILS State Street SPDR Bloomberg 3-12 Month T-Bill ETF | 0.976 | — | -0bp | $3.9B | different index | Compare |
| CLIP Global X 1-3 Month T-Bill ETF | 0.871 | — | -7bp | $620M | different index | Compare |
| GBIL Goldman Sachs Access Treasury 0-1 Year ETF | 0.854 | — | -2bp | $5.3B | different index | Compare |
| SHV iShares Short Treasury Bond ETF | 0.853 | — | +1bp | $21.4B | different index | Compare |
| TFLO iShares Treasury Floating Rate Bond ETF | 0.846 | — | +1bp | $7B | different index | Compare |
| IBTG iShares iBonds Dec 2026 Term Treasury ETF | 0.801 | — | -7bp | $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 2,133 funds. Latest price/flow record dates: 2024-08-23 to 2026-09-30 (1,104 funds with dated records). Fund details retrieved: 2026-09-02 to 2026-10-02. Data dates vary by fund; these are not live quotes. Flow totals include available records only; missing coverage is not evidence of zero flow.