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 DFAE | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| SPEM SPDR Portfolio Emerging Markets ETF | 0.948 | — | -28bp | $17.9B | different index | Compare |
| VSGX Vanguard ESG International Stock ETF | 0.936 | — | -23bp | $4B | different index | Compare |
| SCHE Schwab Emerging Markets Equity ETF | 0.936 | — | -24bp | $9.1B | different index | Compare |
| VXUS Vanguard Total International Stock ETF | 0.926 | — | -28bp | $76.3B | different index | Compare |
| CWI State Street SPDR MSCI ACWI ex-US ETF | 0.921 | — | -5bp | $2.8B | different index | Compare |
| EFG iShares MSCI EAFE Growth ETF | 0.847 | — | +1bp | $16.6B | 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 2,131 funds. Latest price/flow record dates: 2024-08-23 to 2026-10-05 (1,102 funds with dated records). Fund details retrieved: 2026-09-02 to 2026-10-07. Data dates vary by fund; these are not live quotes. Flow totals include available records only; missing coverage is not evidence of zero flow.