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 GOVZ — iShares 25+ Year Treasury STRIPS Bond ETF
| Substitute | Correlation | Book overlap | Fee vs GOVZ | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| EDV Vanguard Extended Duration Treasury Index Fund | 0.981 | — | -4bp | $3.8B | different index | Compare |
| ILTB iShares Core 10+ Year USD Bond ETF | 0.937 | — | -4bp | $581M | different index | Compare |
| TLT iShares 20+ Year Treasury Bond ETF | 0.979 | — | +5bp | $45.4B | different index | Compare |
| GOVT iShares U.S. Treasury Bond ETF | 0.847 | — | -5bp | $43.8B | different index | Compare |
| TLH iShares 10-20 Year Treasury Bond ETF | 0.940 | — | +5bp | $10.9B | different index | Compare |
| BND Vanguard Total Bond Market Index Fund | 0.830 | — | -7bp | $112.8B | 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