Swap finder › US sector: consumer
XLY tax-loss harvesting alternatives
State Street Consumer Discretionary Select Sector SPDR ETF (State Street) tracks S&P Consumer Discretionary Select Sector. If you hold XLY 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 XLY during the 31-day wait.
| Held fund | Index tracked | Issuer | Expense ratio | AUM | Holdings | Category |
|---|---|---|---|---|---|---|
| XLY State Street Consumer Discretionary Select Sector SPDR ETF | S&P Consumer Discretionary Select Sector | State Street | 0.08% | $22.00B | 50 | US sector: consumer |
Sources: issuer fund page · public fund profile. Fund data as of 2026-10-16.
XLY wash sale alternatives (different index)
| ETF | Index tracked | Issuer | Expense ratio | AUM | 1-yr correlation | Holdings overlap | Notes |
|---|---|---|---|---|---|---|---|
| VCR Vanguard Consumer Discretionary ETF | MSCI US IMI 25/50 Consumer Discretionary | Vanguard | 0.09% | $5.80B | 0.991 | 77.4% | different indexhigh overlap |
| DFAUactive Dimensional US Core Equity Market ETF | Actively managed (no index) | Dimensional | 0.12% | $13.12B | 0.775 | n/a | different strategyloose match |
| SPTM State Street SPDR Portfolio S&P 1500 Composite Stock Market ETF | S&P Composite 1500 | State Street | 0.03% | $14.29B | 0.773 | 8.2% | different indexloose match |
| IWB iShares Russell 1000 ETF | Russell 1000 | BlackRock | 0.15% | $49.49B | 0.773 | 8.3% | different indexloose match |
| IWV iShares Russell 3000 ETF | Russell 3000 | BlackRock | 0.20% | $20.66B | 0.772 | 8.1% | different indexloose match |
| SCHX Schwab U.S. Large-Cap ETF | Dow Jones US Total Stock Market Large-Cap | Charles Schwab | 0.03% | $75.28B | 0.770 | n/a | different indexloose match |
| VONE Vanguard Russell 1000 ETF | Russell 1000 | Vanguard | 0.06% | $9.18B | 0.770 | 8.0% | different indexloose match |
| SCHB Schwab U.S. Broad Market ETF | Dow Jones US Broad Stock Market | Charles Schwab | 0.03% | $45.29B | 0.770 | n/a | different indexloose match |
Sorted by 1-year correlation of daily total returns with XLY (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 XLY
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 XLY in every account (including IRAs) for the window — a reinvested dividend is a purchase.
- Check automatic investments, a spouse’s accounts, and any XLY 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.