I keep the "fluff" part separate and stir it together just before serving. I also like to add the bananas just before serving. This feeds a lot of people so feel free to half it for smaller crowds. You can either use a can of coconut cream (like from Trader Joe's) or you can chill 2 cans of full-fat coconut milk for a few hours and scrape the solid part off the top for the coconut cream.