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VCLT tax-loss harvesting alternatives
Vanguard Long-Term Corporate Bond ETF (Vanguard) tracks Bloomberg US Corporate (10+ Y). If you hold VCLT 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 VCLT during the 31-day wait.
| Held fund | Index tracked | Issuer | Expense ratio | AUM | Holdings | Category |
|---|---|---|---|---|---|---|
| VCLT Vanguard Long-Term Corporate Bond ETF | Bloomberg US Corporate (10+ Y) | Vanguard | 0.03% | $7.99B | 2563 | Corporate / high yield |
Sources: issuer fund page · public fund profile. Fund data as of 2026-10-16.
VCLT wash sale alternatives (different index)
| ETF | Index tracked | Issuer | Expense ratio | AUM | 1-yr correlation | Holdings overlap | Notes |
|---|---|---|---|---|---|---|---|
| LQD iShares iBoxx $ Investment Grade Corporate Bond ETF | iBoxx USD Liquid Investment Grade Index | BlackRock | 0.14% | $28.90B | 0.985 | 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 | 0.935 | n/a | different index |
| VCIT Vanguard Intermediate-Term Corporate Bond ETF | Bloomberg US Aggregate Credit - Corporate (5-10 Y) | Vanguard | 0.03% | $66.72B | 0.933 | n/a | different index |
| TLH iShares 10-20 Year Treasury Bond ETF | ICE US Treasury 10-20 Year Bond Index | BlackRock | 0.15% | $11.50B | 0.931 | n/a | different index |
| VGLT Vanguard Long-Term Treasury ETF | Bloomberg US Aggregate Government - Treasury - Long | Vanguard | 0.03% | $10.66B | 0.930 | n/a | different index |
| SPTL State Street SPDR Portfolio Long Term Treasury ETF | Bloomberg US Aggregate Government - Treasury - Long | State Street | 0.03% | $11.25B | 0.927 | n/a | different index |
| IUSB iShares Core Total USD Bond Market ETF | Bloomberg US Universal | BlackRock | 0.06% | $48.88B | 0.924 | n/a | different index |
| TLT iShares 20+ Year Treasury Bond ETF | US Treasury 20+ Year Index | BlackRock | 0.15% | $48.69B | 0.924 | n/a | different index |
Sorted by 1-year correlation of daily total returns with VCLT (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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30-day wash-sale calendar for VCLT
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 VCLT in every account (including IRAs) for the window — a reinvested dividend is a purchase.
- Check automatic investments, a spouse’s accounts, and any VCLT 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.