as general rule

don't buy any MFs at y/e.  why?  one needs to understand how dividend works.  also, there is so-called 

January Dividends

There's a special rule you should be aware of if you receive dividends in January. Mutual funds are permitted to treat certain January dividends as if they were paid in the previous year. It may seem like a mistake when the mutual fund reports this income as if you received it in December of the previous year. It's not a mistake, though, just a special feature of the way the tax law treats mutual funds.

INVESTOR MAY END UP PAYING TAXES FOR NOTHING IF HE OR SHE PUTS $ IN AHEAD OF DISTRIBUTION.  IN ANOTHER WORD, INVESTOR MAY SEE MORE SHARES AFTER DISTRIBUTION BUT ABSOLUTE VALUE OR BALANCE KEEPS UNCHANGED BEFORE AND AFTER.

TO ME, THIS BELONGS TO 细线条:-)