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 FSBD — Fidelity Sustainable Core Plus Bond ETF
| Substitute | Correlation | Book overlap | Fee vs FSBD | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| EDV Vanguard Extended Duration Treasury Index Fund | — | — | -30bp | $3.8B | different index | Compare |
| ICSH iShares Ultra Short-Term Bond ETF | — | — | -28bp | $8.6B | different index | Compare |
| BND Vanguard Total Bond Market Index Fund | — | — | -33bp | $112.8B | different index | Compare |
| TBIL US TREASURY 3 MONTH BILL ETF | — | — | -36bp | $4.1B | different index | Compare |
| XBIL US TREASURY 6 MONTH BILL ETF | — | — | -36bp | $597M | different index | Compare |
| VWOB Vanguard Emerging Markets Government Bond Index Fund | — | — | -16bp | $5.3B | 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