Swap finder › US sector: financials
VFH tax-loss harvesting alternatives
Vanguard Financials ETF (Vanguard) tracks MSCI US IMI 25/50 Financials. If you hold VFH 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 VFH during the 31-day wait.
| Held fund | Index tracked | Issuer | Expense ratio | AUM | Holdings | Category |
|---|---|---|---|---|---|---|
| VFH Vanguard Financials ETF | MSCI US IMI 25/50 Financials | Vanguard | 0.09% | $13.01B | 432 | US sector: financials |
Sources: issuer fund page · public fund profile. Fund data as of 2026-10-16.
VFH wash sale alternatives (different index)
| ETF | Index tracked | Issuer | Expense ratio | AUM | 1-yr correlation | Holdings overlap | Notes |
|---|---|---|---|---|---|---|---|
| XLF State Street Financial Select Sector SPDR ETF | S&P Financial Select Sector | State Street | 0.08% | $51.08B | 0.995 | 86.5% | different indexhigh overlap |
| KBE State Street SPDR S&P Bank ETF | S&P Banks Select Industry | State Street | 0.35% | $1.41B | 0.787 | 15.2% | different indexloose match |
| IVE iShares S&P 500 Value ETF | S&P 500 Value | BlackRock | 0.18% | $49.51B | 0.749 | 15.1% | different indexloose match |
| SPYV State Street SPDR Portfolio S&P 500 Value ETF | S&P 500 Value | State Street | 0.04% | $36.69B | 0.745 | 15.2% | different indexloose match |
| DGRO iShares Core Dividend Growth ETF | Morningstar US Dividend Growth Index | BlackRock | 0.08% | $43.24B | 0.743 | 19.3% | different indexloose match |
| KRE State Street SPDR S&P Regional Banking ETF | S&P Regional Banks Select Industry | State Street | 0.35% | $3.52B | 0.733 | 7.1% | different indexloose match |
| VIG Vanguard Dividend Appreciation ETF | S&P U.S. Dividend Growers Index | Vanguard | 0.04% | $111.88B | 0.716 | 20.8% | different indexloose match |
| RSP Invesco S&P 500 Equal Weight ETF | S&P 500 Equal Weighted | Invesco | 0.20% | $98.58B | 0.715 | n/a | different indexloose match |
Sorted by 1-year correlation of daily total returns with VFH (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.
Reserved for a clearly-labeled brokerage referral link in the future. There are no referral or affiliate links on this site today, and listings are not influenced by any issuer or broker.
30-day wash-sale calendar for VFH
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 VFH in every account (including IRAs) for the window — a reinvested dividend is a purchase.
- Check automatic investments, a spouse’s accounts, and any VFH 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.