http://www.bankofcanada.ca/2015/01/fad-press-release-2015-01-21/
Result: Canadian dollar drops below US$0.82:
"Will pensioners loose out on investment income? "
Too early to tell.
Much depends where the income comes from.
Banks and financial institutions may pay a bit less on savings and term deposits. On the other hand, the value of shares paying a steady dividends may go up a bit as they will attract more buyers looking for a higher (tax advantaged) yield.
Many borrowers will benefit, mostly through lower mortgage floating rates. I would not expect credit card rates to drop. Banks have to make some money somewhere after all! 
Interesting, lowering the interest rate to stimulate spending to offset the slowdown by the fall of oil. Money managers were probably looking for an increase in the lending rate to protect the dollar. B of C has gone the other way.
