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 VFMO | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| MTUM iShares MSCI USA Momentum Factor ETF | 0.902 | 35% | +2bp | $20.5B | different index | Compare |
| VBK Vanguard Small Cap Growth Index Fund | 0.919 | 12% | -6bp | $17.7B | different index | Compare |
| VTWG Vanguard Russell 2000 Growth ETF | 0.923 | 7% | +2bp | $1B | different index | Compare |
| GARP ISHARES FACTORS US GROWTH STYLE ETF | 0.845 | 17% | -13bp | $3.5B | different index | Compare |
| ILCG iShares Morningstar Growth ETF | 0.824 | 20% | -9bp | $3.3B | different index | Compare |
| VOT Vanguard Mid-Cap Growth Index Fund | 0.835 | 8% | -6bp | $13.8B | 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
Cached coverage for 2,091 funds. Latest price/flow record dates: 2024-08-23 to 2026-10-06 (1,063 funds with dated records). Fund details retrieved: 2026-09-25 to 2026-10-08. Data dates vary by fund; these are not live quotes. Flow totals include available records only; missing coverage is not evidence of zero flow.