Mix milk, orange juice, and vanilla pudding in a mixing bowl. If the mixture is too thick, gradually add 1/3 cup milk.

Add Mandarin oranges, pineapple, peaches, and apple to the pudding mix. Fold well to get the fruits coated in the pudding mixture.

Add the cool whip and gently fold until well combined.

Now refrigerate the salad for 2 hours, at least overnight.

Before serving, fold in the banana slices to avoid a mushy texture.

Refrigerate for 1 hour.

Serve cold and enjoy!