Swap finder › US sector: communication
XLC tax-loss harvesting alternatives
State Street Communication Services Select Sector SPDR ETF (State Street) tracks S&P Communication Services Select Sector Index. If you hold XLC 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 XLC during the 31-day wait.
| Held fund | Index tracked | Issuer | Expense ratio | AUM | Holdings | Category |
|---|---|---|---|---|---|---|
| XLC State Street Communication Services Select Sector SPDR ETF | S&P Communication Services Select Sector Index | State Street | 0.08% | $23.78B | 25 | US sector: communication |
Sources: issuer fund page · public fund profile. Fund data as of 2026-10-16.
XLC wash sale alternatives (different index)
| ETF | Index tracked | Issuer | Expense ratio | AUM | 1-yr correlation | Holdings overlap | Notes |
|---|---|---|---|---|---|---|---|
| VOX Vanguard Communication Services ETF | MSCI US IMI 25/50 Communication Services | Vanguard | 0.09% | $6.09B | 0.956 | 76.7% | different indexhigh overlap |
| XLY State Street Consumer Discretionary Select Sector SPDR ETF | S&P Consumer Discretionary Select Sector | State Street | 0.08% | $22.00B | 0.644 | 0.0% | different indexloose match |
| VCR Vanguard Consumer Discretionary ETF | MSCI US IMI 25/50 Consumer Discretionary | Vanguard | 0.09% | $5.80B | 0.641 | 0.0% | different indexloose match |
| DGRW WisdomTree US Quality Dividend Growth Fund | WisdomTree U.S. Quality Dividend Growth Index | WisdomTree | 0.28% | $17.21B | 0.595 | n/a | different indexloose match |
| SCHG Schwab U.S. Large-Cap Growth ETF | Dow Jones US Total Stock Market Large-Cap Growth | Charles Schwab | 0.04% | $65.43B | 0.588 | n/a | different indexloose match |
| FDVV Fidelity High Dividend ETF | Fidelity High Dividend Index | Fidelity | 0.15% | $10.40B | 0.555 | n/a | different indexloose match |
| QUAL iShares MSCI USA Quality Factor ETF | MSCI USA Sector Neutral Quality | BlackRock | 0.15% | $49.00B | 0.554 | 10.5% | different indexloose match |
| SCHX Schwab U.S. Large-Cap ETF | Dow Jones US Total Stock Market Large-Cap | Charles Schwab | 0.03% | $75.28B | 0.548 | n/a | different indexloose match |
Sorted by 1-year correlation of daily total returns with XLC (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 XLC
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 XLC in every account (including IRAs) for the window — a reinvested dividend is a purchase.
- Check automatic investments, a spouse’s accounts, and any XLC 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.