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 RSPT | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| XLK Technology Select Sector SPDR Fund | 0.933 | 50% | -31bp | $131.1B | different index | Compare |
| XNTK State Street SPDR NYSE Technology ETF | 0.923 | 30% | -5bp | $2.1B | different index | Compare |
| TECL Direxion Daily Technology Bull 3X ETF | 0.928 | — | -40bp | $7.1B | different index | Compare |
| XSD State Street SPDR S&P Semiconductor ETF | 0.845 | 21% | -5bp | $3.3B | different index | Compare |
| DYNF BLACKROCK US EQUITY FACTOR ROTATION ETF | 0.842 | 20% | -40bp | $42.4B | different index | Compare |
| VTI Vanguard Total Stock Market Index Fund | 0.843 | 17% | -37bp | $428.1B | 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.