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 EMB | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| VCEB Vanguard ESG U.S. Corporate Bond ETF | 0.852 | — | -27bp | $634M | different index | Compare |
| MBBB VanEck Moody's Analytics BBB Corporate Bond ETF | 0.836 | — | -14bp | $21.4B | different index | Compare |
| BND Vanguard Total Bond Market Index Fund | 0.823 | — | -36bp | $112.8B | different index | Compare |
| BIV Vanguard Intermediate-Term Bond ETF | 0.820 | — | -35bp | $19B | different index | Compare |
| BNDW Vanguard Total World Bond ETF | 0.806 | — | -34bp | $817M | different index | Compare |
| FISR State Street Fixed Income Sector Rotation ETF | 0.813 | — | +11bp | $605M | 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.