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 HYS — PIMCO 0-5 YEAR HIGH YIELD CORPORATE BOND INDEX EXCHANGE-TRADED FUND
| Substitute | Correlation | Book overlap | Fee vs HYS | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| SPYI NEOS S&P 500(R) HIGH INCOME ETF | — | — | same | $1.8B | different index | Compare |
| TBIL US TREASURY 3 MONTH BILL ETF | — | — | same | $4.1B | different index | Compare |
| XBIL US TREASURY 6 MONTH BILL ETF | — | — | same | $597M | different index | Compare |
| DBMF IM DBI MANAGED FUTURES STRATEGY ETF | — | — | same | $940M | different index | Compare |
| BND Vanguard Total Bond Market Index Fund | — | — | +3bp | $112.8B | different index | Compare |
| AGG iShares Core U.S. Aggregate Bond ETF | — | — | +3bp | $127.8B | 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