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 BEMB — iShares Trust - iShares J.P. Morgan Broad USD Emerging Markets Bond ETF
| Substitute | Correlation | Book overlap | Fee vs BEMB | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| VWOB Vanguard Emerging Markets Government Bond Index Fund | 0.942 | — | +2bp | $5.3B | different index | Compare |
| IBDZ ISHARES IBONDS DEC 2034 TERM CORPORATE ETF | 0.842 | — | -18bp | $874M | different index | Compare |
| LQD iShares iBoxx $ Investment Grade Corporate Bond ETF | 0.820 | — | -4bp | $33.4B | different index | Compare |
| BND Vanguard Total Bond Market Index Fund | 0.805 | — | -15bp | $112.8B | different index | Compare |
| EMHY iShares J.P. Morgan EM High Yield Bond ETF | 0.906 | — | +32bp | $642M | different index | Compare |
| HYG iShares iBoxx $ High Yield Corporate Bond ETF | 0.840 | — | +31bp | $17.9B | 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