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 LQD | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| SPBO State Street SPDR Portfolio Corporate Bond ETF | 0.982 | — | -11bp | $2.2B | different index | Compare |
| VCEB Vanguard ESG U.S. Corporate Bond ETF | 0.978 | — | -2bp | $634M | different index | Compare |
| SPLB State Street SPDR Portfolio Long Term Corporate Bond ETF | 0.978 | — | -10bp | $1.2B | different index | Compare |
| CORP PIMCO Investment Grade Corporate Bond Index Exchange-Traded Fund | 0.977 | — | -14bp | $1.2B | different index | Compare |
| BND Vanguard Total Bond Market Index Fund | 0.944 | — | -11bp | $112.8B | different index | Compare |
| BIV Vanguard Intermediate-Term Bond ETF | 0.934 | — | -10bp | $19B | 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.