OTTAWA—The Bank of Canada’s governor says today’s era of stubbornly low interest rates means it’s time to revisit retirement plans, temper business investment expectations and encourage policy-makers to pounce on smaller morsels of economic opportunity.In prepared remarks of a speech he was to deliver Tuesday in Quebec City, Stephen Poloz laid out recommendations on how to adapt to low interest rates that he expects will linger for a long time.“The most important force pushing the neutral rate down has been a steady decline in the potential growth in the economy,” Poloz’s speech said.“I have heard from many Canadians who are rightly worried about their ability to live off their savings and who are seeking a return to higher interest rates.”The bank’s benchmark interest rate, however, has remained at a low level of 0.5 per cent for more than a year and …