Tax-loss harvesting alternatives for XLY

The closest fund alternative to XLY (Cons Discretionary Sector) is FDIS (Fidelity MSCI Consumer Discretionary), with a return correlation of 0.99 over the past year. Among single names in the fund's slice of the market, AMZN (Amazon.com Inc.) tracks it most closely at 0.73 over the past year. Correlations are computed from daily closing-price returns aligned by trading day.

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ETFS

Fund stand-ins

Funds covering similar ground. Two funds tracking the same index may themselves be 'substantially identical' for wash-sale purposes.

Ticker	Name	Focus	Match	1Y	3Y	5Y	10Y
FDIS	Fidelity MSCI Consumer Discretionary	Cons Discretionary Sector	SECTOR	0.99	0.99	0.99	0.99
VCR	Vanguard Consumer Discretionary	Cons Discretionary Sector	SECTOR	0.99	0.99	0.99	0.99
IYC	iShares US Consumer Discretionary	Cons Discretionary Sector	SECTOR	0.94	0.96	0.97	0.97
IBUY	Amplify Online Retail ETF	Online Retail	INDUSTRY	0.74	0.79	0.82	0.81
RTH	VanEck Retail ETF	Retail	INDUSTRY	0.71	0.78	0.84	0.87
XRT	SPDR S&P Retail ETF	Retail	INDUSTRY	0.68	0.72	0.78	0.75
PEJ	Invesco Leisure & Entertainment	Leisure & Entertainment	INDUSTRY	0.64	0.77	0.79	0.77
XHB	SPDR S&P Homebuilders ETF	Homebuilders	SUB-IND	0.57	0.62	0.70	0.75
DRIV	Global X Autonomous & EV ETF	Autonomous & EV	INDUSTRY	0.56	0.71	0.79	0.81
ITB	iShares US Home Construction	Homebuilders	SUB-IND	0.56	0.57	0.65	0.69
CARZ	First Trust S-Network EV & FV	Autos & EVs	INDUSTRY	0.53	0.68	0.75	0.75
BETZ	Roundhill Sports Betting iGaming	Sports Betting	SUB-IND	0.48	0.64	0.72	0.71

STOCKS

Single-name peers

Single names inside the fund's slice of the market.

Ticker	Name	Sub-industry	1Y	3Y	5Y	10Y
AMZN	Amazon.com Inc.	Broadline Retail	0.73	0.75	0.79	0.75
ALV	Autoliv	Automotive Parts & Equipment	0.52	0.52	0.58	0.60
ABNB	Airbnb Inc.	Hotels, Resorts & Cruise Lines	0.51	0.57	0.64	—
ADT	ADT Inc.	Specialized Consumer Services	0.45	0.43	0.47	0.40
APTV	Aptiv plc	Auto Parts & Equipment	0.41	0.47	0.60	0.62
ABG	Asbury Automotive Group	Automotive Retail	0.40	0.52	0.51	0.54
AEO	American Eagle Outfitters	Apparel Retail	0.38	0.43	0.47	0.48
AAP	Advance Auto Parts	Automotive Retail	0.37	0.30	0.33	0.39
ASO	Academy Sports + Outdoors	Specialty Stores	0.37	0.50	0.54	—
AN	AutoNation	Automotive Retail	0.36	0.53	0.50	0.51
ANF	Abercrombie & Fitch	Apparel Retail	0.34	0.38	0.43	0.42
ADNT	Adient	Automotive Parts & Equipment	0.33	0.44	0.55	0.52
ARMK	Aramark	Distributors	0.26	0.40	0.51	0.51
AZO	AutoZone Inc.	Automotive Retail	0.21	0.21	0.30	0.40

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AMZN ALV ABNB ADT APTV ABG AEO AAP ASO AN ANF ADNT ARMK AZO

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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.