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 IYW — iShares U.S. Technology ETF
| Substitute | Correlation | Book overlap | Fee vs IYW | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| XLK Technology Select Sector SPDR Fund | 0.981 | 73% | -31bp | $124.1B | different index | Compare |
| IXN iShares Global Tech ETF | 0.970 | 70% | +1bp | $9.5B | different index | Compare |
| QQQ Invesco QQQ Trust | 0.975 | 61% | -20bp | $498.5B | different index | Compare |
| IVW iShares S&P 500 Growth ETF | 0.960 | 64% | -22bp | $77.4B | different index | Compare |
| MGC Vanguard Mega Cap Index Fund | 0.920 | 49% | -33bp | $6B | different index | Compare |
| OEF iShares S&P 100 ETF | 0.902 | 53% | -20bp | $20.5B | 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