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 FNDC — Schwab Fundamental International Small Company Index ETF
| Substitute | Correlation | Book overlap | Fee vs FNDC | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| VSS Vanguard FTSE All-World ex-US Small Capital Index Fund | 0.924 | — | -32bp | $8.8B | different index | Compare |
| VEU Vanguard FTSE All-World ex-US Index Fund | 0.918 | — | -31bp | $40.1B | different index | Compare |
| SCZ iShares MSCI EAFE Small-Cap ETF | 0.930 | — | +1bp | $13.5B | different index | Compare |
| EFA iShares MSCI EAFE ETF | 0.904 | — | -4bp | $80B | different index | Compare |
| GWX SPDR S&P International Small Cap ETF | 0.924 | — | +1bp | $918M | different index | Compare |
| EFG iShares MSCI EAFE Growth ETF | 0.897 | — | -3bp | $17B | 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