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 PDP | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| MTUM iShares MSCI USA Momentum Factor ETF | 0.920 | 36% | -47bp | $20.4B | different index | Compare |
| VFMO Vanguard U.S. Momentum Factor ETF | 0.952 | 26% | -49bp | $646M | different index | Compare |
| GARP ISHARES FACTORS US GROWTH STYLE ETF | 0.834 | 28% | -62bp | $3.3B | different index | Compare |
| MDYG SPDR S&P 400 Mid Cap Growth ETF | 0.861 | 16% | -47bp | $2.8B | different index | Compare |
| IVOG Vanguard S&P Mid-Cap 400 Growth Index Fund | 0.853 | 16% | -47bp | $1.1B | different index | Compare |
| VBK Vanguard Small Cap Growth Index Fund | 0.861 | 13% | -55bp | $17.7B | 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.