Smart Save Account Login

Your deferred compensation account allows you to access your

  • Account Balance

  • Account Activity

  • Balance History

  • Rate of Return

  • Update Contributions

  • Quarterly Statements

  • Fund Allocation

  • Beneficiary Information

General Information:

  • You can process most transactions through your online Voya account at PERASmartSave.Voya.com. You will need to set up your account first by clicking “Register Now.”

  • And you can transact all business through the Call Center at 1-833-424-SAVE (7283).

  • You can access all forms on the Plan’s website PERASmartSave.Voya.com. Scroll down to Plan Information and select Forms from the dropdown menu.

  • Forms may be scanned/emailed to:PERA-SmartSave@state.nm.us or faxed directly to Voya at (844) 299-2373.

  • Please direct all general questions to the Call Center at 1-833-424-SAVE (7283) and for escalations email PERA-SmartSave@state.nm.us

State and local government employees are mandated to the New Mexico Public Employees Retirement Association (PERA) pension. PERA also offers a supplemental 457b Plan. What's the difference?

  • Mandatory pension plan as a condition of employment; you are automatically enrolled in this Plan when you complete your onboarding documents with your employer.

  • A Defined Benefit Plan.

  • Monthly Retirement Benefit is based on a calculation.

  • Current contributions are tax deferred, so taxes are withheld when you start receiving your pension benefit.

  • Your pension benefit is available to you when you become eligible for retirement.

  • Monthly benefit lasts for your lifetime.

  • A voluntary, supplemental 457(b) plan intended to complement your PERA pension; you must enroll in this plan separately at perasmartsave.voya.com, by form, or by QR code below.

  • A Defined Contribution Plan.

  • Retirement Benefit is based on total contributions plus investment earnings. You choose your own mix of investments from the funds offered by the Plan.

  • You can make pre-tax contributions which lowers your current taxable income; or you can make Roth (after tax) contributions and have tax-free withdrawals in retirement.

  • You have access to these funds when you terminate employment.

  • Benefits end when your balance is exhausted.