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 XSOE | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| VWO Vanguard Emerging Markets Stock Index Fund | 0.939 | — | -24bp | $79.1B | different index | Compare |
| VSGX Vanguard ESG International Stock ETF | 0.930 | — | -20bp | $4B | different index | Compare |
| VXUS Vanguard Total International Stock ETF | 0.917 | — | -25bp | $76.3B | different index | Compare |
| IXUS iShares Core MSCI Total International Stock ETF | 0.915 | — | -25bp | $46.2B | different index | Compare |
| SPDW SPDR Portfolio Developed World ex-US ETF | 0.879 | — | -29bp | $40.6B | different index | Compare |
| VSS Vanguard FTSE All-World ex-US Small Capital Index Fund | 0.853 | — | -25bp | $8.8B | 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 2,093 funds. Latest price/flow record dates: 2024-08-23 to 2026-10-13 (1,065 funds with dated records). Fund details retrieved: 2026-09-25 to 2026-10-15. Data dates vary by fund; these are not live quotes. Flow totals include available records only; missing coverage is not evidence of zero flow.