ARRANGE graham wafers on bottom of 13x9-inch pan.
BEAT cream cheese in large bowl with mixer until creamy. Gradually add milk, mixing well after each addition. Add dry pudding mix; beat 1 min. Gently stir in half the Cool Whip; spread over grahams. Cover with remaining Cool Whip and fruit.
REFRIGERATE several hours. Sprinkle with coconut just before serving.