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 SPTS — SPDR Portfolio Short Term Treasury ETF
| Substitute | Correlation | Book overlap | Fee vs SPTS | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| TBIL US TREASURY 3 MONTH BILL ETF | — | — | -3bp | $4.1B | different index | Compare |
| XBIL US TREASURY 6 MONTH BILL ETF | — | — | -3bp | $597M | different index | Compare |
| GOVT iShares U.S. Treasury Bond ETF | — | — | +2bp | $43.8B | different index | Compare |
| EDV Vanguard Extended Duration Treasury Index Fund | — | — | +3bp | $3.8B | different index | Compare |
| IBTH iShares iBonds Dec 2027 Term Treasury ETF | — | — | +4bp | $2.3B | different index | Compare |
| IBTK iShares iBonds Dec 2030 Term Treasury ETF | — | — | +4bp | $1B | 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