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 XLK | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| DYNF BLACKROCK US EQUITY FACTOR ROTATION ETF | 0.889 | 41% | -9bp | $42B | different index | Compare |
| IGPT Invesco AI and Next Gen Software ETF | 0.924 | 28% | -9bp | $1.4B | different index | Compare |
| VV Vanguard Morningstar Large-Cap ETF | 0.854 | 37% | -5bp | $37.4B | different index | Compare |
| VOO Vanguard 500 Index Fund | 0.852 | 37% | -6bp | $500.4B | different index | Compare |
| SPY SPDR S&P 500 ETF Trust | 0.849 | 39% | +0bp | $817.6B | different index | Compare |
| SPTM State Street SPDR Portfolio S&P 1500 Composite Stock Market ETF | 0.844 | 36% | -6bp | $14.1B | 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 2026-10-02 (1,104 funds with dated records). Fund details retrieved: 2026-09-02 to 2026-10-04. Data dates vary by fund; these are not live quotes. Flow totals include available records only; missing coverage is not evidence of zero flow.