UK cash accounts only alternative?

If US ETFs [e.g. Vanguard (UK "Reporting Funds")] are not available for a USC-UK Resident in a UK brokerage account, what IS available for a UK-based investment? Only cash and individual shares? Thank you.

If US ETFs [e.g. Vanguard (UK "Reporting Funds")] are not available for a USC-UK Resident in a UK brokerage account, what IS available for a UK-based investment? Only cash and individual shares? Thank you.

And also individual bonds

I assume you don’t have access to a SIPP, as the pension wrapper means you can have stock and bond funds.

If US ETFs [e.g. Vanguard (UK "Reporting Funds")] are not available for a USC-UK Resident in a UK brokerage account, what IS available for a UK-based investment? Only cash and individual shares? Thank you.

The UK broker won't stop you from buying non-US funds, it's just a really bad idea because of PFIC rules (unless inside a "pension" wrapper, including UK pensions and US 401(k), IRA, etc. - not including an ISA). Investment trusts fall in that same bad bucket, even though they look like individual shares.

You can also buy options and other exotic stuff, not that I recommend that!

Summary of the rules and possible paths forward here: https://www.bogleheads.org/wiki/Investing_from_the_UK_for_US_citizens_and_US_permanent_residents  (disclaimer - I wrote most of it, although others have reviewed - not professional advice).

While I understand the above link ( https://www.bogleheads.org/wiki/Investing_from_the_UK_for_US_citizens_and_US_permanent_residents ) is not professional advice, I'm also aware that professionals may disagree with each other on the interpretation for reporting of many of the topics covered.

I would also note the two other topics referenced in the above provide equally interesting reading.

https://www.bogleheads.org/wiki/Taxation_as_a_US_person_living_abroad
https://www.bogleheads.org/wiki/US_tax_pitfalls_for_a_US_person_living_abroad

While not professional advice, they do give a very good summary of the implications for US expats in the UK and I would highly recommend them as a starting point for anyone questioning any aspect of the minefield of US tax for the expat. It's nice to read balanced comments. Thank you for your efforts, and well done to you and the others who contributed to all three articles.

It appears most have been written since 2019, and you appear to have had a very busy November 2022. There's still a number of topics not covered but since they're non-investing issues, bogleheads would not be the place to raise them.