Question:I've read b4 that it is NOT recommended that you purchase mutual funds just prior to year end (in taxable account) to avoid paying top dollar for fund just b4 they distribute gains (stuck paying taxes)...and then the NAV drops.I believe that this concern is not a problem for 401K's BUT if I am putting in a large chunk of money (>$3K, see below for reason) into my 401K plan in December is there anything I should be aware of taxwise or investment wise? Any pearls I should know about for this type of investment move...or do I just do nothing and let the money get invested at my current asset allocation.Thanks in advance for any advice or shared experience on this topic.Background:I recently checked the status of my tax withholdings and noticed that I was going to come up short on my taxes paid for 2004 tax year. (this was due to improper withholding amount on W4)Instead of modifying the amount of tax withheld from my check to catch up in the last month of the year....I increased dramatically the amount of money I was putting into my 401K in the month of December ($1600 will go into 401K plan on Dec 15th and 30th). This will lower my taxable earnings and leave me square with the IRS. Instead of giving them more tax dollars why not give myself more retirement...since I can now afford to put the money away.