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 CRBN — iShares MSCI ACWI Low Carbon Target ETF
| Substitute | Correlation | Book overlap | Fee vs CRBN | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| SPY SPDR S&P 500 ETF Trust | 0.952 | 53% | -11bp | $818.3B | different index | Compare |
| VTI Vanguard Total Stock Market Index Fund | 0.954 | 52% | -17bp | $428.1B | different index | Compare |
| VOO Vanguard 500 Index Fund | 0.951 | 47% | -17bp | $500.4B | different index | Compare |
| MGC Vanguard Mega Cap Index Fund | 0.936 | 50% | -13bp | $6B | different index | Compare |
| QQQ Invesco QQQ Trust | 0.891 | 35% | same | $498.5B | different index | Compare |
| BUFR FT CBOE VEST FUND OF BUFFER ETFS | 0.936 | — | -20bp | $5.1B | 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