I've done research and understand (I think) why mine and my wife's Roth IRA's and her 403b drop in value in December due to capital gains distributions. Then, in a matter of days, they're back practically to where they were. Is there a way to avoid this? I'm also wanting to buy some different funds in the IRA's. I've read that's not a good idea this close to end of year, because you will still be hit with the end of year cap gains distributions for the new fund, so basically you start out in the hole on that fund.
So, is the information I've read correct, or should I go ahead with the purchase or wait for 2020? TIA