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 DFEM | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| SPEM SPDR Portfolio Emerging Markets ETF | 0.945 | 2% | +7bp | $17.8B | different index | Compare |
| VXUS Vanguard Total International Stock ETF | 0.923 | 0% | +7bp | $76.3B | different index | Compare |
| IXUS iShares Core MSCI Total International Stock ETF | 0.922 | — | +7bp | $46.2B | different index | Compare |
| VWO Vanguard Emerging Markets Stock Index Fund | 0.942 | — | +8bp | $79.1B | different index | Compare |
| SCHF Schwab International Equity ETF | 0.889 | — | +6bp | $41.6B | different index | Compare |
| VT Vanguard Total World Stock Index Fund | 0.879 | 0% | +7bp | $39.4B | 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.