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
Stand-ins for AGG — iShares Core U.S. Aggregate Bond ETF
| Substitute | Correlation | Book overlap | Fee vs AGG | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| BND Vanguard Total Bond Market Index Fund | 0.987 | — | same | $112.8B | different index | Compare |
| MBB iShares MBS ETF | 0.970 | — | +1bp | $39B | different index | Compare |
| IGIB iShares 5-10 Year Investment Grade Corporate Bond ETF | 0.965 | — | +1bp | $18.7B | different index | Compare |
| IBDZ ISHARES IBONDS DEC 2034 TERM CORPORATE ETF | 0.945 | — | -3bp | $874M | different index | Compare |
| USIG iShares Broad USD Investment Grade Corporate Bond ETF | 0.964 | — | +1bp | $14.2B | different index | Compare |
| GOVT iShares U.S. Treasury Bond ETF | 0.975 | — | +2bp | $43.8B | 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