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 IBTK | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| SCHR Schwab Intermediate-Term U.S. Treasury ETF | 0.966 | — | -4bp | $9.8B | different index | Compare |
| VGIT Vanguard Intermediate-Term Treasury ETF | 0.962 | — | -3bp | $29.9B | different index | Compare |
| SPTI State Street SPDR Portfolio Intermediate Term Treasury ETF | 0.961 | — | -4bp | $10.5B | different index | Compare |
| BIV Vanguard Intermediate-Term Bond ETF | 0.932 | — | -3bp | $19B | different index | Compare |
| SCHZ Schwab US Aggregate Bond ETF | 0.915 | — | -4bp | $8.2B | different index | Compare |
| SPIB State Street SPDR Portfolio Intermediate Term Corporate Bond ETF | 0.897 | — | -3bp | $11.2B | 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.