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 BILS | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| BIL State Street SPDR Bloomberg 1-3 Month T-Bill ETF | 0.976 | — | +0bp | $50.8B | different index | Compare |
| CLIP Global X 1-3 Month T-Bill ETF | 0.883 | — | -7bp | $620M | different index | Compare |
| GBIL Goldman Sachs Access Treasury 0-1 Year ETF | 0.877 | — | -2bp | $5.3B | different index | Compare |
| XHLF BondBloxx Bloomberg Six Month Target Duration US Treasury ETF | 0.860 | — | -14bp | $1.1B | different index | Compare |
| SHV iShares Short Treasury Bond ETF | 0.878 | — | +1bp | $23.5B | different index | Compare |
| XONE BondBloxx Bloomberg One Year Target Duration US Treasury ETF | 0.835 | — | -14bp | $521M | 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 2,091 funds. Latest price/flow record dates: 2024-08-23 to 2026-10-05 (1,063 funds with dated records). Fund details retrieved: 2026-09-25 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.