Fighting smart

Instead of exhausting your own energy, why not use your opponent's strengths against him?

Bruce Lee famously said: “To know oneself is to study oneself in action with another person.” All Chinese martial arts that have a root in Taoism, such as Tai Chi Chuan, follow the Yin/Yang concept of complementary forces that function simultaneously – not separating things into opposites, but considering them as interrelated aspects that must work in harmony with each other.

The concept is a simple one. The sun, for instance, is not contrary to the moon, nor is man contrary to woman (despite what we may think at times!). They are complementary and interdependent. Applying this in a martial context, one should work in harmony with, and not against, the force of the opponent.

One of the special aspects of two-person training in Tai Chi Chuan is that we aspire to the level where “Nobody knows me, while I know everybody.” We train to develop our sensitivity so that we can feel the movement and intention of an opponent while concealing our own energy and intention.

Then we can listen to and use the opponent’s own force against them in self-defence. The idea is to complete the opponent’s force, to follow their movement without opposing it. As some may say, we just help our opponent to carry on going, to where they are already heading.

Tai Chi Chuan fighting has in the past been called the art of shadow boxing – when someone tried to hit a Tai Chi Chuan fighter, they found themselves falling into the shadows, not knowing where the opponent went. After a while, you can get a sense of an opponent’s intention even before contact is made- in some cases, this allows us to avoid conflict before it even arises.

From the Yin/Yang symbol to every movement that is performed, the circle is fundamental to the philosophy, practice and martial application of Tai Chi Chuan. In terms of structure, a circle is stronger than a square, whose sharp edges and angles give it an integral weakness when compared to the circle.

Who needs great strength when you have a circular structure which allows you to rotate, spinning your enemy away? Like a wheel, you can apply great force, but the point you push will just rotate away.

A circle has an inner and an outer side, and can make use of centrifugal force in which the central rotation may have a very small force. But this translates into a far greater force and momentum in the outer circle. In terms of the body, the movements of the extremities, such as the hands, work on the outer side of the circle, while the waist works on the inner side of the circle.

Therefore, any movement involving the rotation of the waist may seem slow and small, but it is actually fast and can respond more quickly. "If the opponent does not move, I do not move. If the opponent moves, I am already there."

This is why all movements in Tai Chi Chuan start from the central body, using the relatively small rotation of the waist, which emanates out to give the body a whip-like action. In this way, we can respond to an incoming force with as little effort as possible.

Lazy man’s fighting? Sounds like efficiency to me.

Stephanie Fowler first began learning martial arts in 1992 at the age of 17. Her training in Tai Chi Chuan began a year later. She has trained with many top masters from all over the world, including the current Chen-style lineage holder Grandmaster Chen Zhenglei. She has also practised Qigong and another internal martial art, Bagua Zhang.
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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/