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 IBDR — iShares iBonds Dec 2026 Term Corporate ETF
| Substitute | Correlation | Book overlap | Fee vs IBDR | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| ICSH iShares Ultra Short-Term Bond ETF | 0.861 | — | -2bp | $8.5B | different index | Compare |
| SHV iShares Short Treasury Bond ETF | 0.897 | — | +5bp | $20.8B | 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