Swap finder › US sector: industrials
XLI tax-loss harvesting alternatives
State Street Industrial Select Sector SPDR ETF (State Street) tracks S&P Industrial Select Sector. If you hold XLI 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 XLI during the 31-day wait.
| Held fund | Index tracked | Issuer | Expense ratio | AUM | Holdings | Category |
|---|---|---|---|---|---|---|
| XLI State Street Industrial Select Sector SPDR ETF | S&P Industrial Select Sector | State Street | 0.08% | $30.71B | 86 | US sector: industrials |
Sources: issuer fund page · public fund profile. Fund data as of 2026-10-16.
XLI wash sale alternatives (different index)
| ETF | Index tracked | Issuer | Expense ratio | AUM | 1-yr correlation | Holdings overlap | Notes |
|---|---|---|---|---|---|---|---|
| VIS Vanguard Industrials ETF | MSCI US IMI 25/50 Industrials | Vanguard | 0.09% | $8.07B | 0.991 | 79.4% | different indexhigh overlap |
| SCHV Schwab U.S. Large-Cap Value ETF | Dow Jones US Total Stock Market Large-Cap Value | Charles Schwab | 0.04% | $15.41B | 0.853 | n/a | different index |
| IJH iShares Core S&P Mid-Cap ETF | S&P Mid Cap 400 | BlackRock | 0.05% | $122.65B | 0.847 | 0.0% | different index |
| MDY State Street SPDR S&P MIDCAP 400 ETF Trust | S&P Mid Cap 400 | State Street | 0.23% | $25.96B | 0.846 | 0.0% | different index |
| IVOO Vanguard S&P Mid-Cap 400 ETF | S&P Mid Cap 400 | Vanguard | 0.07% | $3.81B | 0.843 | 0.0% | different index |
| SPMD State Street SPDR Portfolio S&P 400 Mid Cap ETF | S&P Mid Cap 400 | State Street | 0.03% | $18.38B | 0.841 | 0.0% | different index |
| SCHM Schwab U.S. Mid-Cap ETF | Dow Jones US Total Stock Market Mid-Cap | Charles Schwab | 0.03% | $14.58B | 0.828 | n/a | different index |
| VO Vanguard Morningstar Mid-Cap ETF | Morningstar US Mid Cap TR USD | Vanguard | 0.03% | $107.07B | 0.827 | 17.4% | different index |
Sorted by 1-year correlation of daily total returns with XLI (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 XLI
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 XLI in every account (including IRAs) for the window — a reinvested dividend is a purchase.
- Check automatic investments, a spouse’s accounts, and any XLI 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.