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 SHE | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| SPY SPDR S&P 500 ETF Trust | 0.910 | 38% | -11bp | $809.2B | different index | Compare |
| SPTM State Street SPDR Portfolio S&P 1500 Composite Stock Market ETF | 0.916 | 36% | -17bp | $14.1B | different index | Compare |
| DYNF BLACKROCK US EQUITY FACTOR ROTATION ETF | 0.892 | 40% | -20bp | $42B | different index | Compare |
| XLK Technology Select Sector SPDR Fund | 0.845 | 35% | -11bp | $127.3B | different index | Compare |
| BUFR FT CBOE VEST FUND OF BUFFER ETFS | 0.883 | — | -20bp | $5.1B | different index | Compare |
| SCHM Schwab U.S. Mid Cap ETF | 0.854 | — | -16bp | $11.5B | 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.