Yes indeed the issue is more about the Bank which doesn't want to give access to US citizens to their Funds.
In my case, my banker told me I could without any problem buy directly shares from any companies (from the USA, Europe, Switzreland or from any other country).
However, for Funds he told me I had to make sure they were located in the USA. He told me, that I could check that by looking at the ISIN (International Securities Identification Number)
of the security. If it is based in the USA, the first two letters of the ISIN will be "US".
What was less clear, was ETFs. Basically, I have the impression that the ETF needs to be also based in the USA. But I have trouble finding a way to filter out ETFs that are based in the USA.
For example, I was looking for ETFs on this website: www.ishares.com
But I couldn't find a way to filter ETFs based in the USA. And I have trouble finding the ISIN for each security.
I know that I am not allowed to buy this one for example: https://www.ishares.com/ch/individua...ssthrough=true
Do you know where I could find such ETFs? I don't want to need to buy individual shares, in order to diversify my portfolio. It would be too much work and money (fees)...