It's a combination of both. For instance none of (us) had a say as to whether our mothers would carry us to term when they learned they were pregnant or if we'd been born healthy. Therefore our very existence is fate/destiny from our point of view.
Sometimes destiny and free will work hand in hand. One may choose to marry a mate but that marriage ends in divorce. They decide to go on a vacation where they meet someone amazing and eventually get married to the love of their life. It's a case of "everything happens for the best" in the end. Had this person not gone through their divorce they probably would not have taken a vacation at that particular time and therefore probably would not have met their eventual "soul-mate".
This type of thing happens quite frequently in the human experience. We choose a route and something knocks us off the path and we re-adjust which takes us on a different path which often leads us to doing something we never "planned" or even if we ultimately get what we wanted it was not in a linear straight line. We look back and say; "If this had not happened I never would have done that which led me to doing blah blah blah which brought me here." Since we can't re-write our history all we can do is speculate on how things might have been different (if ) we'd turned right instead of left or departed the house five minutes later, chose a different college to attend.
Our lives for the most part are the end result of the choices and decisions we've made along the way. What caused us to make those decisions is often our (reacting) to what appears in our path. Maybe the "hiccups" in life or the cards we're dealt are destiny and how we "react" is free will. I'm not sure how one could fully separate the two.
“While we are free to choose our actions, we are not free to choose the consequences of our actions” – Stephen R. Covey