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 OBND — SPDR Loomis Sayles Opportunistic Bond ETF
| Substitute | Correlation | Book overlap | Fee vs OBND | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| USIG iShares Broad USD Investment Grade Corporate Bond ETF | 0.873 | — | -51bp | $14.2B | different index | Compare |
| VWOB Vanguard Emerging Markets Government Bond Index Fund | 0.861 | — | -35bp | $5.3B | different index | Compare |
| BND Vanguard Total Bond Market Index Fund | 0.854 | — | -52bp | $112.8B | different index | Compare |
| AGG iShares Core U.S. Aggregate Bond ETF | 0.847 | — | -52bp | $127.8B | different index | Compare |
| LQD iShares iBoxx $ Investment Grade Corporate Bond ETF | 0.846 | — | -41bp | $33.4B | different index | Compare |
| EMB iShares J.P. Morgan USD Emerging Markets Bond ETF | 0.839 | — | -16bp | $14.8B | 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