To a large, ceramic or plastic bowl add the cold milk and mix in the cultures. Cover with a towel, secure the towel with a rubber band or cover with a pan lid. Place in a warm area, 70-77°F (158-170°C) for 12 hours. 

After 12 hours, check to see if it has set, it should pull away from the side when tilted.  If not, leave for up to 24 hours, checking often.

Once set, refrigerate for at least 6 hours.

After 6 hours, mix in any whey (liquid) that has formed.

Stir in the pineapple and coconut. Serve or transfer to a container with a lid and refrigerate for up to 2 weeks