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 SCHA — Schwab U.S. Small-Cap ETF
| Substitute | Correlation | Book overlap | Fee vs SCHA | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| VB Vanguard Small Cap Index Fund | 0.949 | — | +1bp | $58.9B | different index | Compare |
| IJH iShares Core S&P Mid-Cap ETF | 0.933 | — | +1bp | $128.4B | different index | Compare |
| ISCG iShares Morningstar Small-Cap Growth ETF | 0.952 | — | +2bp | $1B | different index | Compare |
| IMCB iShares Morningstar Mid-Cap ETF | 0.889 | — | same | $1.7B | different index | Compare |
| VBK Vanguard Small Cap Growth Index Fund | 0.943 | — | +3bp | $17.7B | different index | Compare |
| IJR iShares Core S&P Small-Cap ETF | 0.923 | — | +2bp | $111.3B | 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