New Yorkers who rely on the state pension fund for their retirement may be short-changed about $735 million over the next 10 years as a result of Governor Andrew Cuomo’s policy of permitting local authorities to defer fund payments so they can fill budget gaps and pay for services such as schools, street lights and police. Cuomo has been trying to rid New York of its reputation as a high-tax state and has put limits on tax increases by local governments, reducing their ability to meet their often rising obligations.