Swap finder › US sector: health care
XLV tax-loss harvesting alternatives
State Street Health Care Select Sector SPDR ETF (State Street) tracks S&P Health Care Select Sector. If you hold XLV 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 XLV during the 31-day wait.
| Held fund | Index tracked | Issuer | Expense ratio | AUM | Holdings | Category |
|---|---|---|---|---|---|---|
| XLV State Street Health Care Select Sector SPDR ETF | S&P Health Care Select Sector | State Street | 0.08% | $43.77B | 64 | US sector: health care |
Sources: issuer fund page · public fund profile. Fund data as of 2026-10-16.
XLV wash sale alternatives (different index)
| ETF | Index tracked | Issuer | Expense ratio | AUM | 1-yr correlation | Holdings overlap | Notes |
|---|---|---|---|---|---|---|---|
| VHT Vanguard Health Care ETF | MSCI US IMI 25/50 Health Care | Vanguard | 0.09% | $19.02B | 0.988 | 85.7% | different indexhigh overlap |
| IBB iShares Biotechnology ETF | NYSE Biotechnology | BlackRock | 0.44% | $10.33B | 0.694 | 13.2% | different indexloose match |
| DGRO iShares Core Dividend Growth ETF | Morningstar US Dividend Growth Index | BlackRock | 0.08% | $43.24B | 0.638 | 17.5% | different indexloose match |
| NOBL ProShares S&P 500 Dividend Aristocrats ETF | S&P 500 Dividend Aristocrats | ProShares | 0.35% | $11.23B | 0.633 | n/a | different indexloose match |
| USMV iShares MSCI USA Min Vol Factor ETF | MSCI USA Minimum Volatility | BlackRock | 0.15% | $23.65B | 0.589 | 12.5% | different indexloose match |
| SCHD Schwab US Dividend Equity ETF | Dow Jones U.S. Dividend 100 | Charles Schwab | 0.06% | $111.67B | 0.583 | n/a | different indexloose match |
| SDY State Street SPDR S&P Dividend ETF | S&P High Yield Dividend Aristocrats | State Street | 0.35% | $20.95B | 0.580 | 7.5% | different indexloose match |
| JEPIactive JPMorgan Equity Premium Income ETF | Actively managed (no index) | JPMorgan Chase | 0.35% | $45.66B | 0.577 | n/a | different strategyloose match |
Sorted by 1-year correlation of daily total returns with XLV (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 XLV
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 XLV in every account (including IRAs) for the window — a reinvested dividend is a purchase.
- Check automatic investments, a spouse’s accounts, and any XLV 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.