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
| Substitute | Correlation | Book overlap | Fee vs IBDY | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| IGIB iShares 5-10 Year Investment Grade Corporate Bond ETF | 0.984 | — | -6bp | $18.6B | different index | Compare |
| BIV Vanguard Intermediate-Term Bond ETF | 0.954 | — | -6bp | $19B | different index | Compare |
| VCEB Vanguard ESG U.S. Corporate Bond ETF | 0.963 | — | +2bp | $634M | different index | Compare |
| VGIT Vanguard Intermediate-Term Treasury ETF | 0.903 | — | -6bp | $29.9B | different index | Compare |
| IBDU iShares iBonds Dec 2029 Term Corporate ETF | 0.886 | — | same | $4B | different index | Compare |
| BNDW Vanguard Total World Bond ETF | 0.873 | — | -5bp | $817M | 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
Cached coverage for 2,133 funds. Latest price/flow record dates: 2024-08-23 to 2026-10-02 (1,104 funds with dated records). Fund details retrieved: 2026-09-02 to 2026-10-03. Data dates vary by fund; these are not live quotes. Flow totals include available records only; missing coverage is not evidence of zero flow.