Add the mango chunks, pineapple chunks, and banana to your blender first. These softer fruits blend more easily and help create a smooth base for your summer tropical smoothie family recipe to build upon.

Pour in the coconut milk and coconut water, then add the Greek yogurt. Blend on medium speed for 15-20 seconds until the fruit begins breaking down and mixing with the liquid components.

Add honey, vanilla extract, lime juice, and chia seeds to the blender. Continue blending on medium-high speed for another 20-30 seconds until completely smooth with no visible fruit chunks remaining.

Add ice cubes gradually while blending, pulsing 5-8 times to incorporate them without over-blending, which can water down your smoothie with melted ice. Stop and check consistency after each pulse to achieve your preferred thickness.

Divide the smoothie among four tall glasses and sprinkle shredded coconut on top as garnish. Serve immediately while still cold and frothy, ideally within two minutes of blending for the best texture and flavor.