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 XLG | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| VV Vanguard Morningstar Large-Cap ETF | 0.959 | 63% | -16bp | $37.4B | different index | Compare |
| VTI Vanguard Total Stock Market Index Fund | 0.939 | 56% | -17bp | $428.1B | different index | Compare |
| FELG Fidelity Enhanced Large Cap Growth ETF | 0.972 | — | -2bp | $2.8B | different index | Compare |
| NULG Nuveen ESG Large-Cap Growth ETF | 0.878 | 27% | -20bp | $1.5B | different index | Compare |
| SCHG Schwab U.S. Large-Cap Growth ETF | 0.962 | — | -16bp | $31.7B | different index | Compare |
| SPYG State Street SPDR Portfolio S&P 500 Growth ETF | 0.967 | 73% | -16bp | $57.9B | same index — avoid | 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 2,093 funds. Latest price/flow record dates: 2024-08-23 to 2026-10-08 (1,065 funds with dated records). Fund details retrieved: 2026-09-25 to 2026-10-09. Data dates vary by fund; these are not live quotes. Flow totals include available records only; missing coverage is not evidence of zero flow.