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 SCHO | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| SPTS State Street SPDR Portfolio Short Term Treasury ETF | 0.905 | — | same | $7.5B | different index | Compare |
| VGSH Vanguard Short-Term Treasury ETF | 0.917 | — | +1bp | $20B | different index | Compare |
| SCHR Schwab Intermediate-Term U.S. Treasury ETF | 0.857 | — | same | $9.8B | different index | Compare |
| IBTI iShares iBonds Dec 2028 Term Treasury ETF | 0.934 | — | +4bp | $2B | different index | Compare |
| SPTI State Street SPDR Portfolio Intermediate Term Treasury ETF | 0.839 | — | same | $10.4B | different index | Compare |
| IBTJ iShares iBonds Dec 2029 Term Treasury ETF | 0.918 | — | +4bp | $1.4B | 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 2,133 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.