I believe in Karma but mostly as defined in the Law of Attraction. What you do reflects on you and will manifest in time. I'm not a pollyanna by any stretch but I believe if you think or do things with a negative vibration, it will reflect back on you. I've found this to be my truth. You can agree or not. It's what I've found. If you focus on positive energies and good thoughts and deeds, that will reflect on you as well. I don't believe in fate per se. But I do think that you pave your road.