Step 1 – Make the creamy base
In a large bowl, beat the softened cream cheese with powdered sugar until smooth and fluffy. Add sour cream and mix until fully combined. Gently fold in the thawed whipped topping until no streaks remain.

Step 2 – Add the fruit and extras
Fold in the drained pineapple, mandarin oranges, cherries, chopped nuts, and mini marshmallows. Add shredded coconut or sliced bananas if using. Stir gently to avoid breaking up the fruit.

Step 3 – Fill and freeze
Spoon the mixture into a loaf pan, mold, or 8×8 dish. Smooth the top with a spatula. Cover tightly with plastic wrap or foil.

Step 4 – Freeze
Freeze for at least 4 hours, or until completely firm. Overnight is best if you want clean slices.

Step 5 – Serve
To serve, let sit at room temperature for 5–10 minutes to soften slightly. Slice with a warm knife or scoop into bowls. Garnish with extra cherries or a sprig of mint for a fresh finish.