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 HYLB | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| SPHY State Street SPDR Portfolio High Yield Bond ETF | 0.948 | — | -10bp | $11.8B | different index | Compare |
| HYS PIMCO 0-5 Year High Yield Corporat Bond Index Exchange-Traded Fund | 0.901 | — | -15bp | $1.3B | different index | Compare |
| VCIT Vanguard Intermediate-Term Corporate Bond ETF | 0.809 | — | -11bp | $49.2B | different index | Compare |
| VCEB Vanguard ESG U.S. Corporate Bond ETF | 0.803 | — | -3bp | $634M | different index | Compare |
| VWOB Vanguard Emerging Markets Government Bond Index Fund | 0.847 | — | +5bp | $5.3B | different index | Compare |
| SJNK State Street SPDR Bloomberg Short Term High Yield Bond ETF | 0.932 | — | +25bp | $4.4B | 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
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.