Do i believe in Destiny? Yes
Do i believe in karma? Yes
Both are true, although not everyone would share the same believe/faith as me.

WHAT IS DESTINY?

Destiny in a lay man's term or in the simplest way to put it, is the act of becoming what or who you are meant to be no matter the circumstances or challenges there might be.
Another word for destiny is FATE

WHAT IS KARMA?

Let's just say karma is a payback for your bad deeds.
Now personally i can't say for sure that i have seen destiny were it took place but one thing i know for sure and i believe is that you would be whoever you are meant to be or destined to be. Yes alot of people have had alot of unimaginable challenges , ups and downs in there which i know we all are a victim of such circumstance. Most times we come out ontop, achieving what we wanted and fulfilling our dreams.
Some people don't get to do so, why? Maybe they are destined to fail? Maybe they were destined to achieve there dreams.

Ofcourse we can all agree with me that some people not everyone has done something horribly wrong to a person or even hurt the person physically and get the reward of there bad deeds later or even instantly, that has happened to alot of people. It might not actually be precise but in one way or another you will rip the fruit of your labour for certain.

Destined at some point can be altered, we can choose to change our destiny, yes you heard me right. Inshort i believe most people did, there are people destined to be poor and they turn out rich, there are people destined to be a failure and they turn out to be the smartest and brightest people we have ever seen or known.
Destiny can be changed but karma can't.
Most people if not everyone try to run away from there fate / destiny or even try to dodge or avoid it entirely but there is one thing we fail to forget while doing so, we can't run away from who we are.
Moreover if you are destined for greatness and you fail to work hard to achieve that greatness? You feel like it's your destiny and you shouldn't work to get that which you truly, then i am sorry but Destiny in my understanding is what we choose to have or pursue, then when we get that particular desire or wish of ours completed then we can say it's Fate or destiny.

I know there are alot of sayings in different languages/dialects or believes which states to one thing:

What must be must be
And a man must be who he is destined to be.

Maybe that's true or maybe not.
But here is the actual fact in my own world, Destiny fulfils itself either in a good or bad but we can decide to be the author of our destiny, we can choose whether to be good or bad. It all lies in our hands to decide how our destiny is going to turn out for all of us.

And i believe that you can't get what you want or what you are destined for if you don't make efforts.

CAN BOTH BE TRUE?

I would say yes, both are true and real. But i believe we are all responsible for our destiny and choosing what we want or wish to be and making that happen.
We hold our destiny in our own hands.

Thank you