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SCHZ tax-loss harvesting alternatives
Schwab US Aggregate Bond ETF (Charles Schwab) tracks Bloomberg US Aggregate. If you hold SCHZ at a loss, these ETFs track a different index, which generally makes them less likely to be considered “substantially identical” — while still moving closely with SCHZ during the 31-day wait.
| Held fund | Index tracked | Issuer | Expense ratio | AUM | Holdings | Category |
|---|---|---|---|---|---|---|
| SCHZ Schwab US Aggregate Bond ETF | Bloomberg US Aggregate | Charles Schwab | 0.03% | $10.57B | 12608 | US aggregate bond |
Sources: issuer fund page · public fund profile. Fund data as of 2026-10-16.
SCHZ wash sale alternatives (different index)
| ETF | Index tracked | Issuer | Expense ratio | AUM | 1-yr correlation | Holdings overlap | Notes |
|---|---|---|---|---|---|---|---|
| IUSB iShares Core Total USD Bond Market ETF | Bloomberg US Universal | BlackRock | 0.06% | $48.88B | 0.981 | n/a | different index |
| FBNDactive Fidelity Total Bond ETF | Actively managed (benchmark: Bloomberg U.S. Aggregate Bond Index) | Fidelity | 0.36% | $28.04B | 0.978 | n/a | different strategy |
| IEF iShares 7-10 Year Treasury Bond ETF | ICE BofA US Treasury (7-10 Y) | BlackRock | 0.15% | $41.22B | 0.973 | n/a | different index |
| GOVT iShares U.S. Treasury Bond ETF | ICE U.S. Treasury Core Bond Index | BlackRock | 0.05% | $41.82B | 0.965 | n/a | different index |
| VCIT Vanguard Intermediate-Term Corporate Bond ETF | Bloomberg US Aggregate Credit - Corporate (5-10 Y) | Vanguard | 0.03% | $66.72B | 0.962 | n/a | different index |
| IGIB iShares 5-10 Year Investment Grade Corporate Bond ETF | ICE BofA US Corporate (5-10 Y) | BlackRock | 0.04% | $18.82B | 0.960 | n/a | different index |
| VGIT Vanguard Intermediate-Term Treasury ETF | Bloomberg US Treasury (3-10 Y) | Vanguard | 0.03% | $40.05B | 0.956 | n/a | different index |
| SCHR Schwab Intermediate-Term US Treasury ETF | Bloomberg US Treasury (3-10 Y) | Charles Schwab | 0.03% | $13.52B | 0.947 | n/a | different index |
Sorted by 1-year correlation of daily total returns with SCHZ (through 2026-10-16). Holdings overlap = sum of the smaller weight of each common stock, from issuer holdings files; “n/a” where the issuer does not offer a free download or for bond/international/commodity funds. Hover a value for its as-of dates.
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Avoid as a replacement: same index as SCHZ
These track the same index (Bloomberg US Aggregate). Buying one of them within the window is the classic “substantially identical” risk.
| ETF | Index tracked | Issuer | Expense ratio | AUM | 1-yr correlation | Holdings overlap | Notes |
|---|---|---|---|---|---|---|---|
| AGG iShares Core U.S. Aggregate Bond ETF | Bloomberg US Aggregate | BlackRock | 0.03% | $137.55B | 0.984 | n/a | same index — avoid |
| SPAB State Street SPDR Portfolio Aggregate Bond ETF | Bloomberg US Aggregate | State Street | 0.03% | $10.27B | 0.977 | n/a | same index — avoid |
Gray area: variants of the same benchmark
These track a closely related version of SCHZ’s index (for example, a float-adjusted variant). Treat with caution.
| ETF | Index tracked | Issuer | Expense ratio | AUM | 1-yr correlation | Holdings overlap | Notes |
|---|---|---|---|---|---|---|---|
| BND Vanguard Total Bond Market ETF | Bloomberg US Aggregate - Float Adjusted | Vanguard | 0.03% | $162.85B | 0.986 | n/a | index variant — gray area |
30-day wash-sale calendar for SCHZ
The window is 30 calendar days before and after the sale (61 days total, IRC §1091(a)). Buying the replacement fund right away is the point of a swap; the dates above are about buying back the fund you sold, or anything substantially identical to it.
Before you swap
- Turn off dividend reinvestment for SCHZ in every account (including IRAs) for the window — a reinvested dividend is a purchase.
- Check automatic investments, a spouse’s accounts, and any SCHZ bought in the 30 days before the sale.
- Your broker generally only flags wash sales for the identical security in the same account. You are responsible for the rest.
- Read how wash sales work and the FAQ, then confirm your plan with a tax professional.