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 IWR | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| VB Vanguard Small Cap Index Fund | 0.975 | 12% | -14bp | $58.9B | different index | Compare |
| VOE Vanguard Mid-Cap Value Index Fund | 0.880 | 32% | -12bp | $17.5B | different index | Compare |
| IJH iShares Core S&P Mid-Cap ETF | 0.963 | 5% | -14bp | $122.8B | different index | Compare |
| SMLF iShares MSCI USA Small-Cap Multifactor ETF | 0.952 | 8% | -4bp | $4.1B | different index | Compare |
| VOT Vanguard Mid-Cap Growth Index Fund | 0.898 | 23% | -12bp | $13.8B | different index | Compare |
| IMCV iShares Morningstar Mid-Cap Value ETF | 0.845 | 37% | -13bp | $1.1B | 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.