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 VOT | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| VBK Vanguard Small Cap Growth Index Fund | 0.925 | 3% | same | $17.7B | different index | Compare |
| ISCG iShares Morningstar Small-Cap Growth ETF | 0.913 | 1% | -1bp | $974M | different index | Compare |
| VB Vanguard Small Cap Index Fund | 0.894 | 1% | -2bp | $58.9B | different index | Compare |
| SCHM Schwab U.S. Mid Cap ETF | 0.896 | — | -3bp | $11.5B | different index | Compare |
| SCHA Schwab U.S. Small-Cap ETF | 0.876 | — | -3bp | $17.9B | different index | Compare |
| IJH iShares Core S&P Mid-Cap ETF | 0.867 | 0% | -2bp | $122.8B | 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.