Tax-loss harvesting alternatives for FND

Among the 44 Home Improvement Retail peers screened, HD (Home Depot) has tracked FND most closely over the past year, with a return correlation of 0.68. The strongest fund stand-in is ITB (iShares US Home Construction) at 0.76 over the past year. Correlations are computed from daily closing-price returns aligned by trading day.

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STOCKS

Single-name peers

Ticker	Name	Sub-industry	1Y	3Y	5Y	10Y
HD	Home Depot	Home Improvement Retail	0.68	0.67	0.69	0.63
LOW	Lowe's Companies	Home Improvement Retail	0.67	0.69	0.70	0.63
RH	RH	Homefurnishing Retail	0.63	0.62	0.63	0.53
WSM	Williams-Sonoma, Inc.	Homefurnishing Retail	0.60	0.59	0.62	0.53
UPBD	Upbound Group, Inc.	Computer & Electronics Retail	0.53	0.52	0.49	0.42
VVV	Valvoline	Automotive Retail	0.51	0.47	0.45	0.41
AAP	Advance Auto Parts	Automotive Retail	0.50	0.35	0.35	0.33
ABG	Asbury Automotive Group	Automotive Retail	0.49	0.50	0.50	0.47
DKS	Dick's Sporting Goods	Specialty Stores	0.44	0.46	0.49	0.44
AN	AutoNation	Automotive Retail	0.44	0.49	0.50	0.45
SIG	Signet Jewelers	Specialty Stores	0.44	0.42	0.47	0.39
GAP	Gap Inc.	Apparel Retail	0.44	0.40	0.44	0.42
EYE	National Vision Holdings	Specialty Stores	0.43	0.43	0.45	0.44
PAG	Penske Automotive Group	Automotive Retail	0.42	0.51	0.52	0.48
TSCO	Tractor Supply	Other Specialty Retail	0.42	0.39	0.45	0.40
PHIN	PHINIA, Inc.	Automotive Retail	0.40	0.39	0.32	—
SBH	Sally Beauty Holdings, Inc.	Specialty Stores	0.40	0.46	0.48	0.41
BBY	Best Buy Co.	Computer & Electronics Retail	0.40	0.50	0.54	0.50
BOOT	Boot Barn Holdings, Inc.	Apparel Retail	0.40	0.42	0.48	0.41
URBN	Urban Outfitters, Inc.	Apparel Retail	0.38	0.37	0.44	0.40
LAD	Lithia Motors	Automotive Retail	0.37	0.46	0.50	0.46
AEO	American Eagle Outfitters	Apparel Retail	0.35	0.42	0.46	0.41
GPI	Group 1 Automotive, Inc.	Automotive Retail	0.35	0.43	0.48	0.44
ASO	Academy Sports + Outdoors	Specialty Stores	0.35	0.46	0.50	—
KMX	CarMax, Inc.	Automotive Retail	0.34	0.44	0.51	0.47
ANF	Abercrombie & Fitch	Apparel Retail	0.34	0.30	0.37	0.33
SAH	Sonic Automotive, Inc.	Automotive Retail	0.34	0.39	0.44	0.41
BKE	The Buckle, Inc.	Apparel Retail	0.33	0.43	0.47	0.38
CHWY	Chewy	Other Specialty Retail	0.31	0.23	0.40	0.36
TJX	TJX Companies	Apparel Retail	0.31	0.30	0.42	0.42
AZO	AutoZone Inc.	Automotive Retail	0.31	0.22	0.26	0.30
FIVE	Five Below	Other Specialty Retail	0.30	0.36	0.47	0.47
BBWI	Bath & Body Works, Inc.	Other Specialty Retail	0.30	0.41	0.45	0.42
WINA	Winmark	Other Specialty Retail	0.30	0.28	0.34	0.33
CVNA	Carvana	Automotive Retail	0.30	0.33	0.42	0.39
ORLY	O'Reilly Automotive	Automotive Retail	0.29	0.17	0.25	0.30
VSXY	Victoria's Secret	Apparel Retail	0.28	0.34	0.39	—
ROST	Ross Stores	Apparel Retail	0.26	0.33	0.42	0.41
BURL	Burlington Stores	Apparel Retail	0.25	0.36	0.45	0.43
HZO	MarineMax, Inc.	Specialty Stores	0.23	0.39	0.43	0.39
ULTA	Ulta Beauty	Other Specialty Retail	0.23	0.30	0.37	0.38
GME	GameStop	Computer & Electronics Retail	0.16	0.14	0.24	0.13
MUSA	Murphy USA	Automotive Retail	-0.06	0.04	0.11	0.16
VGNT	Versigent PLC	Other Specialty Retail	—	—	—	—

ETFS

Fund stand-ins

An ETF is generally not 'substantially identical' to a single stock, which is why funds are the standard wash-sale-aware replacement.

Ticker	Name	Focus	Match	1Y	3Y	5Y	10Y
ITB	iShares US Home Construction	Homebuilders	SUB-IND	0.76	0.73	0.74	0.67
XHB	SPDR S&P Homebuilders ETF	Homebuilders	SUB-IND	0.74	0.75	0.77	0.71
XRT	SPDR S&P Retail ETF	Retail	INDUSTRY	0.68	0.66	0.71	0.60
IYC	iShares US Consumer Discretionary	Cons Discretionary Sector	SECTOR	0.63	0.56	0.65	0.61
VCR	Vanguard Consumer Discretionary	Cons Discretionary Sector	SECTOR	0.59	0.56	0.64	0.62
FDIS	Fidelity MSCI Consumer Discretionary	Cons Discretionary Sector	SECTOR	0.59	0.56	0.65	0.62
PEJ	Invesco Leisure & Entertainment	Leisure & Entertainment	INDUSTRY	0.59	0.53	0.58	0.54
XLY	Consumer Discretionary SPDR	Cons Discretionary Sector	SECTOR	0.55	0.52	0.61	0.60
RTH	VanEck Retail ETF	Retail	INDUSTRY	0.51	0.50	0.60	0.57
DRIV	Global X Autonomous & EV ETF	Autonomous & EV	INDUSTRY	0.34	0.45	0.55	0.55
BETZ	Roundhill Sports Betting iGaming	Sports Betting	SUB-IND	0.31	0.38	0.50	0.50
CARZ	First Trust S-Network EV & FV	Autos & EVs	INDUSTRY	0.29	0.38	0.48	0.48

NEXT STEPS

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Replacement research for FND's peers

HD LOW RH WSM UPBD VVV AAP ABG DKS AN SIG GAP EYE PAG TSCO PHIN SBH BBY BOOT URBN LAD AEO GPI ASO KMX ANF SAH BKE CHWY TJX AZO FIVE BBWI WINA CVNA ORLY VSXY ROST BURL HZO ULTA GME MUSA VGNT

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Method: Pearson correlation of daily closing-price returns, Yahoo Finance data, series aligned by trading day, refreshed weekly. A cell is blank when overlapping history covers less than 60% of its window. Correlation is descriptive, not predictive. Wash-sale treatment depends on facts and circumstances — confirm with a tax professional. Not investment advice.