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VCSH tax-loss harvesting alternatives
Vanguard Short-Term Corporate Bond ETF (Vanguard) tracks Bloomberg US Corporate (1-5 Y). If you hold VCSH 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 VCSH during the 31-day wait.
| Held fund | Index tracked | Issuer | Expense ratio | AUM | Holdings | Category |
|---|---|---|---|---|---|---|
| VCSH Vanguard Short-Term Corporate Bond ETF | Bloomberg US Corporate (1-5 Y) | Vanguard | 0.03% | $45.03B | 3065 | Corporate / high yield |
Sources: issuer fund page · public fund profile. Fund data as of 2026-10-16.
VCSH wash sale alternatives (different index)
| ETF | Index tracked | Issuer | Expense ratio | AUM | 1-yr correlation | Holdings overlap | Notes |
|---|---|---|---|---|---|---|---|
| IGSB iShares 1-5 Year Investment Grade Corporate Bond ETF | ICE BofA US Corporate (1-5 Y) | BlackRock | 0.04% | $23.40B | 0.981 | n/a | different index |
| VCIT Vanguard Intermediate-Term Corporate Bond ETF | Bloomberg US Aggregate Credit - Corporate (5-10 Y) | Vanguard | 0.03% | $66.72B | 0.945 | 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 | 0.943 | n/a | different index |
| VGIT Vanguard Intermediate-Term Treasury ETF | Bloomberg US Treasury (3-10 Y) | Vanguard | 0.03% | $40.05B | 0.928 | n/a | different index |
| SCHR Schwab Intermediate-Term US Treasury ETF | Bloomberg US Treasury (3-10 Y) | Charles Schwab | 0.03% | $13.52B | 0.917 | n/a | different index |
| SHY iShares 1-3 Year Treasury Bond ETF | ICE BofA US Treasury Bond (1-3 Y) | BlackRock | 0.15% | $26.90B | 0.917 | n/a | different index |
| SCHZ Schwab US Aggregate Bond ETF | Bloomberg US Aggregate | Charles Schwab | 0.03% | $10.57B | 0.912 | n/a | different index |
| BND Vanguard Total Bond Market ETF | Bloomberg US Aggregate - Float Adjusted | Vanguard | 0.03% | $162.85B | 0.911 | n/a | different index |
Sorted by 1-year correlation of daily total returns with VCSH (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 VCSH
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 VCSH in every account (including IRAs) for the window — a reinvested dividend is a purchase.
- Check automatic investments, a spouse’s accounts, and any VCSH 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.