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 ITOT | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| VTI Vanguard Total Stock Market Index Fund | 0.998 | 17% | same | $428.1B | different index | Compare |
| VV Vanguard Morningstar Large-Cap ETF | 0.994 | 17% | +1bp | $37.4B | different index | Compare |
| IUSG iShares Core S&P U.S. Growth ETF | 0.951 | 16% | +1bp | $34.3B | different index | Compare |
| JHML John Hancock Multifactor Large Cap ETF | 0.979 | — | -3bp | $927M | different index | Compare |
| SNPE Xtrackers S&P 500 Scored & Screened ETF | 0.968 | — | -3bp | $1.4B | different index | Compare |
| FLQL Franklin U.S. Large Cap Multifactor Index ETF | 0.962 | — | -3bp | $1.3B | 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
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.