If you have a fruit in your pocket, you can eat it for energy or grow it and turn it into many more as the days go by. And, incidentally, make your landscape more colorful.
The process is as simple as making a hole in the ground with a shovel and placing the fruit in question there. Each fruit tree (including palm trees) takes four days to grow and, once they reach their adult size, they will offer three Animal Crossing fruits of the same variety that you planted every three days.
In the case of palm trees, these are exotic trees that only grow in the sand. You can also bring palm trees to your island or grow them on any beach through the same fruit tree process.
In addition, it has two interesting advantages: the coconuts are not so valuable economically, but they grow every other day.
In any case, the new fruits will appear at 05:00, both in the case of fruit trees and palm trees, as long as they have completed their growth cycle (two days for coconuts and three days for other fruits).
How to grow a tree with bell sacks
As an added bonus, a very unique phenomenon occurs on the islands of Animal Crossing New Horizons: it is possible to grow trees that produce bags of bells. Just how it sounds. Of course, they are very exceptional cases.
Surely, when walking around the island you will have seen an intense light emerge from the ground. If you dig, you will find a bag with a bunch of ACNH bells buy. A real treasure! And with some patience you can turn it into something else.
As you can see, the hole continues to emit intense light. If you bury the bag of bells in that same hole, after a few days you will see that not only a tree has grown in that same place, but its fruits are bags of bells. Now that is a short-term investment.