The origins of Buddhism

How Siddhartha Gautama found enlightenment under a tree finding total freedom, liberating his mind f

The Buddha was a man, not a god. His name was Siddhartha Gautama and he was born approximately 480 BCE in Kapilavatthu on the borders of present-day Nepal and India. His father was a nobleman, the ruler of a minor kingdom, and so Siddhartha was well provided for. Worldly pleasures, however, didn’t have much meaning for him. Right from his early years, he was intrigued by the mysteries of existence and the purpose of life, and asked such questions as: What is life for? Are beings born just to die?

At the age of twenty-nine, Siddhartha left home to search for the answers to these questions. For six years he wandered India, learning from the various holy men he met along the way and learnt various forms of meditation and how to perform particular rituals. He gradually acquired a reputation of being a great ascetic, especially when he embarked upon the extreme practice of reducing his diet to just one grain of rice a day.

Naturally, he began to starve, but to no avail, and one day realised that extreme practices like these were not the way to bring insights regarding the true nature of existence. He then gave up this pointless practice and ate a nourishing meal. Now he knew without doubt that religious rituals and ascetic practices did not lead to insight into truth.

Instead of giving up and going home, however, his determination to find truth increased and he decided to investigate the mystery of mysteries—the mind itself.

Siddhartha then made his way to a tree, sat beneath it and with his back straight and legs crossed, made a vow: To find truth now, or never to rise from this spot again. His determination was great and he called upon the earth to bear witness by touching it with his hand (this earth-touching pose can be seen replicated in thousands of Buddhist statues around the world). Putting aside all the techniques he had learned, Siddhartha focused his mind, let it become clear and aware, and meditated into the night.

One by one the passions started to arise—lust, hatred, greed, pride, self-righteousness and all the hopes, fears and emotions possible for a human being. Keeping his mind focused, he recognised that none of these mental states was fundamentally real, they were all fleeting, impermanent, none was essentially true, every one of them arose and disappeared from consciousness.

Then the insights began to arise. He saw how one thing gave rise to another (karma). He recognised the delusion of time, the reality of the moment, observed impermanence (that everything which arises is subject to change and decay), and woke up to something he had not previously noticed, something which is not formed, which is not a thing, and which does not decay, and which he later referred to as the unformed, unborn, deathlessness (nirvana). He also saw into the truth of sorrow and realised that it cannot be laid aside until all forms of desire, yearning and grasping are laid aside.

As night gave way to day, a supreme breakthrough came for Siddhartha. He awoke to ultimate truth. Gone was the delusion of self, of a separate being apart from other beings, now he was Buddha, the Awakened One, no longer confused by the deceptions of the material or mental world. Within his own mind, his own being, he discovered the total freedom from all conditions. This was the liberation of mind from ignorance and sorrow.

Siddhartha, the Buddha, informed fellow seekers of his findings and began to attract followers. He continued to live a frugal life, having no intention of going back to a worldly existence, instead meditating and teaching until he died forty-five years later in his eighties.

By the time of his passing, a large community of monks and nuns had formed and become a strong movement which lasted for well over a thousand years in India, at which time it all but disappeared from this, the land of its origin. In the meantime, however, the teachings had spread to Sri Lanka, China, Korea, Japan, Burma, Thailand, various parts of Southeast Asia and Tibet.

It didn’t really appear in the West until the nineteenth century when the early translations of Buddhist texts were made, and it only started to become a living practice in Europe and America about a century ago.

From those early beginnings the popularity of Buddhism grew in the West during the 1960s and has since flourished. Buddhist temples and centres of all kinds now exist almost everywhere in Europe and America, and vast numbers of books, magazines and articles have been published, so that these days there is no shortage of information for those interested in finding the truth of the Buddha’s teaching for themselves.

Because Buddhism is based on a personal journey, an inner journey for each individual, as it enters new lands, it often changes and adapts to the ways of each culture. This is why Tibetan Buddhism appears to be vastly different from, say, Thai Buddhism, or Japanese Zen seems so different from that form of Buddhism practised in Burma. Basically, however, the Buddha’s teachings are central to each tradition. Get beyond the style of ceremonies, colour of robes, variations on the minor rules of the monastic order and techniques of meditation, get to the very core of what they are aiming for, and it will be the original Buddha’s teaching.

Diana St Ruth has been a practising Buddhist since the early 1960s. A director of the Buddhist Publishing Group since 1983, she lived in a Buddhist Community in Devon from 1989-1993 and is the editor of Buddhism Now. She is also the author of several books on Buddhism.
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Stability is essential to solve the pension problem

The new chancellor must ensure we have a period of stability for pension policymaking in order for everyone to acclimatise to a new era of personal responsibility in retirement, says 

There was a time when retirement seemed to take care of itself. It was normal to work, retire and then receive the state pension plus a company final salary pension, often a fairly generous figure, which also paid out to a spouse or partner on death.

That normality simply doesn’t exist for most people in 2016. There is much less certainty on what retirement looks like. The genesis of these experiences also starts much earlier. As final salary schemes fall out of favour, the UK is reaching a tipping point where savings in ‘defined contribution’ pension schemes become the most prevalent form of traditional retirement saving.

Saving for a ‘pension’ can mean a multitude of different things and the way your savings are organised can make a big difference to whether or not you are able to do what you planned in your later life – and also how your money is treated once you die.

George Osborne established a place for himself in the canon of personal savings policy through the introduction of ‘freedom and choice’ in pensions in 2015. This changed the rules dramatically, and gave pension income a level of public interest it had never seen before. Effectively the policymakers changed the rules, left the ring and took the ropes with them as we entered a new era of personal responsibility in retirement.

But what difference has that made? Have people changed their plans as a result, and what does 'normal' for retirement income look like now?

Old Mutual Wealth has just released. with YouGov, its third detailed survey of how people in the UK are planning their income needs in retirement. What is becoming clear is that 'normal' looks nothing like it did before. People have adjusted and are operating according to a new normal.

In the new normal, people are reliant on multiple sources of income in retirement, including actively using their home, as more people anticipate downsizing to provide some income. 24 per cent of future retirees have said they would consider releasing value from their home in one way or another.

In the new normal, working beyond your state pension age is no longer seen as drudgery. With increasing longevity, the appeal of keeping busy with work has grown. Almost one-third of future retirees are expecting work to provide some of their income in retirement, with just under half suggesting one of the reasons for doing so would be to maintain social interaction.

The new normal means less binary decision-making. Each choice an individual makes along the way becomes critical, and the answers themselves are less obvious. How do you best invest your savings? Where is the best place for a rainy day fund? How do you want to take income in the future and what happens to your assets when you die?

 An abundance of choices to provide answers to the above questions is good, but too much choice can paralyse decision-making. The new normal requires a plan earlier in life.

All the while, policymakers have continued to give people plenty of things to think about. In the past 12 months alone, the previous chancellor deliberated over whether – and how – to cut pension tax relief for higher earners. The ‘pensions-ISA’ system was mooted as the culmination of a project to hand savers complete control over their retirement savings, while also providing a welcome boost to Treasury coffers in the short term.

During her time as pensions minister, Baroness Altmann voiced her support for the current system of taxing pension income, rather than contributions, indicating a split between the DWP and HM Treasury on the matter. Baroness Altmann’s replacement at the DWP is Richard Harrington. It remains to be seen how much influence he will have and on what side of the camp he sits regarding taxing pensions.

Meanwhile, Philip Hammond has entered the Treasury while our new Prime Minister calls for greater unity. Following a tumultuous time for pensions, a change in tone towards greater unity and cross-department collaboration would be very welcome.

In order for everyone to acclimatise properly to the new normal, the new chancellor should commit to a return to a longer-term, strategic approach to pensions policymaking, enabling all parties, from regulators and providers to customers, to make decisions with confidence that the landscape will not continue to shift as fundamentally as it has in recent times.

Steven Levin is CEO of investment platforms at Old Mutual Wealth.

To view all of Old Mutual Wealth’s retirement reports, visit: products-and-investments/ pensions/pensions2015/