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 IEFA | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| BBIN JPMorgan BetaBuilders International Equity ETF | 0.975 | — | same | $6.5B | different index | Compare |
| SPEU State Street SPDR Portfolio Europe ETF | 0.950 | 7% | same | $692M | different index | Compare |
| VXUS Vanguard Total International Stock ETF | 0.940 | 8% | same | $76.3B | different index | Compare |
| JHMD John Hancock Multifactor Developed International ETF | 0.964 | — | -7bp | $729M | different index | Compare |
| IXUS iShares Core MSCI Total International Stock ETF | 0.960 | — | same | $46.2B | different index | Compare |
| SCHF Schwab International Equity ETF | 0.948 | — | -1bp | $41.6B | 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 2,091 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.